# EDGAR Filing Document

**Accession Number:** 0001991364
**File Stem:** 0001999371-25-009547
**Filing Date:** 2025-7
**Character Count:** 7378625
**Document Hash:** 6de7de35bb403f15ae0e7e1916b95f46
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-009547.hdr.sgml**: 20250722

**ACCESSION NUMBER**: 0001999371-25-009547

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

**PUBLIC DOCUMENT COUNT**: 42

**CONFORMED PERIOD OF REPORT**: 20250722

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

**FILED AS OF DATE**: 20250722

**DATE AS OF CHANGE**: 20250722

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06667
- **FILM NUMBER:** 251139322

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

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

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

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

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

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

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

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

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

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

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

_____________ to _____________

Date of Report (Date of earliest event reported) ______________________

Commission File Number of securitizer: ______________________

<br> Central Index Key Number of securitizer: ______________________

___________________________________________________________________________

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

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

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

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

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

Central Index Key Number of depositor: 0001991364

**Chase Home Lending Mortgage Trust 2025-RPL1**

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

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

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

Bithun John<br> (212)-834-4890

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

contact in connection with this filing.

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

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

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

**EXHIBIT INDEX**

99.1 Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC- Pool 1

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

[Schedule 2 - Compliance Report](ex99-1s2.htm)

[Schedule 3 - Title Diligence Report](ex99-1s3.htm)

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

[Schedule 5 - Servicing Comment Report](ex99-1s5.htm)

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

99.2 Disclosures required by Rule 15Ga-2 for Clayton Services LLC - Pool 2

[Schedule 1 - Due Diligence Narrative Report](ex99-2s1.htm)

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

[Schedule 3 - Title Review Report](ex99-2s3.htm)

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

[Schedule 5 - Tape Compare](ex99-2s5.htm)

[Schedule 6 - Mod Upload](ex99-2s6.htm)

[Schedule 7 - Custom Mod Upload](ex99-2s7.htm)

[Schedule 8 - Pay History Report](ex99-2s8.htm)

[Schedule 9 - Servicing Comment Report](ex99-2s9.htm)

99.3 Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC - Pool 3

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

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

[Schedule 3 - Title Diligence Report](ex99-3s3.htm)

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

[Schedule 5 - Servicing Comment Report](ex99-3s5.htm)

[Schedule 6 - Modification Report](ex99-3s6.htm)

99.4 Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC - Pool 4

[Schedule 1 - Executive Summary/Narrative](ex99-4s1.htm)

[Schedule 2 - Compliance Report](ex99-4s2.htm)

[Schedule 3 - Title Diligence Report](ex99-4s3.htm)

[Schedule 4 - Pay History Report](ex99-4s4.htm)

[Schedule 5 - Servicing Comment Report](ex99-4s5.htm)

[Schedule 6 - Modification Report](ex99-4s6.htm)

99.5 Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC - Pool 3

[Schedule 1 - Executive Summary/Narrative](ex99-5s1.htm)

[Schedule 2 - Compliance Report](ex99-5s2.htm)

[Schedule 3 - Title Diligence Report](ex99-5s3.htm)

[Schedule 4 - Pay History Report](ex99-5s4.htm)

[Schedule 5 - Servicing Comment Report](ex99-5s5.htm)

[Schedule 6 - Modification Report](ex99-5s6.htm)

**SIGNATURE**

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

Date: July 22, 2025

---

| |
|:---|
| &nbsp;&nbsp;J.P. Morgan Residential MORTGAGE Acceptance Corp. <br> (Depositor) |
| &nbsp;&nbsp;By: <u>/s/ Bithun John</u> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Name: Bithun John<br> Title: President<br> (Senior Officer in charge of securitization)<br>|

---

## Exhibit 99.1

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

**Exhibit 99.1 - Schedule 1**

![](ex991001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

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

The loans in the Review carried origination dates between December 2002 and May 2008.

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

The Review was conducted on thirteen (13) mortgage loans with an aggregate original principal balance of approximately $3.979 million.

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

▪ "Compliance
 Review": 13 mortgage loans

▪ "Payment
 History Review": 12 mortgage loans

▪ "Servicing
 Comment Review": 12 mortgage loans

▪ "Title
 Review": 12 mortgage loans

▪ "Data
 Integrity": 13 mortgage loans

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

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

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

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

---

| | | |
|:---|:---|:---|
| # of Units | Contract Sales Price | Original LTV |
| Appraised Value | First Payment Date | Original P&I |
| Borrower First Name | Interest Only | Property Type |
| Borrower Full Name | Lien Position | Purpose |
| Borrower Last Name | LTV Valuation Value | Refi Purpose |
| Borrower SSN | Neg Am | State |
| City | Note Date | Street |
| Coborrower First Name | Occupancy | Zip |
| Coborrower Last Name | Original Interest Rate | |
| Coborrower SSN | Original Loan Amount | |

---

Additionally, AMC verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, and (iv) that social security numbers across documents were consistent.

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

Not applicable.

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

Not applicable.

1 \| P a g e

![](ex991001.jpg)

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

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

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

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014 (13 mortgage loans)</u>**

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

2 \| P a g e

![](ex991001.jpg)

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

3 \| P a g e

![](ex991001.jpg)

**(VI) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

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

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

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

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

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

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

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

**Collection Comment Review:** AMC performed a collection comment review utilizing individual mortgage loan collection comments provided by the servicers in order to provide a brief summary outlining current performance status, the borrower's ability to pay, relative future/current risk (including hardship, life changes, etc.), possible servicer remedies, loss mitigation efforts, and modifications.

**Payment History Review:** AMC performed a review utilizing individual mortgage loan payment history reports provided by the servicers. Using the MBA methodology, AMC created a payment string using a 36 month look back period for each mortgage loan within the payment history population.

**Title Review:** As requested by the Client, a title review was included in SitusAMC's scope of review. To facilitate this review, the Client provided SitusAMC with identifying data on the population of mortgage loans. Data provided by the client, included mortgage loan and servicer identification numbers as well as subject property address, borrower names, origination date, original mortgage loan amount for the subject mortgage and title policies from origination as it relates to the subject mortgage. Using the data provided, SitusAMC ordered a current owner's title search on these mortgage loans through a service provider. Upon receipt and review of the current owner's title search results, SitusAMC identified whether or not the subject mortgage was of record, whether any deed vesting concerns of substance were present, and whether the title search report revealed any liens and/or judgments which could affect the seniority of the subject mortgage, including potentially superior post origination liens and/or judgments such as Property Tax Liens, Municipal Liens, and Association Super Liens. SitusAMC reviewed the title policies for all liens and/or judgments that were recorded before the recordation of the subject mortgage to determine if any identifiable liens and/or judgments were listed as an exception on schedule B of the applicable title policies.

**(9) Disclaimer**

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

4 \| P a g e

![](ex991001.jpg)

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL REVIEW RESULTS SUMMARY (13 Mortgage Loans)**

There were thirteen (13) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, thirteen (13) loans had an Overall Review "B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | B | TILA | 12 |
| Compliance | B | Missing Application Date | 12 |
| Compliance | B | RESPA | 5 |
| Compliance | B | State Defect | 3 |
| Compliance | B | Misc. State Level | 3 |
| Compliance | B | Missing Non-Required Data | 2 |
| Compliance | B | Missing, Incorrect, or Incomplete GFE | 2 |
| Compliance | B | Missing Disclosure | 1 |
| Compliance | B | State Compliant | 1 |
| Compliance | B | LTV Test | 1 |
| Compliance | B | Final TIL Estimated | 1 |
| Compliance | B | FACTA | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***44*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **44** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **44** |

---

5 \| P a g e

![](ex991001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the thirteen (13) loans mortgage loans reviewed, ten (10) loans (76.92%) mortgage loans had tape discrepancies across nine (9) unique data fields. The most common tape discrepancies were Original Interest Rate and Interest Only.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;12 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;12 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;3 | &nbsp;&nbsp;12 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;5 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**19** | &nbsp;&nbsp;**222** | &nbsp;&nbsp;**8.56%** | &nbsp;&nbsp;**13** |

---

6 \| P a g e

![](ex991001.jpg)

**PAYMENT HISTORY REVIEW SUMMARY (12 Mortgage Loans)**

A Payment History Review was conducted on twelve (12) mortgage loans. All twelve (12) Mortgage loans subjected to the Payment History Review had complete pay history strings. In total, six (6) mortgage loans (50.00%) showed at last one delinquency within the look back period.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Category** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;No Delinquency, No Missing Data | &nbsp;&nbsp;6 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Delinquency, No Missing Data | &nbsp;&nbsp;6 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;No Delinquency, At Least One Month Missing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Delinquency, At Least One Month Missing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.00%** |

---

**COLLECTION COMMENT REVIEW SUMMARY (12 Mortgage Loans)**

AMC conducted a Collection Comment Review on twelve (12) mortgage loans. Of the mortgage loans subject to the collection comment review, ten (10) mortgage loans (83.33%) triggered an EV1 or EV2 exception level and two (2) mortgage loan (16.67%) triggered an EV3 exception level.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Servicing Review Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;1 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;3 | &nbsp;&nbsp;2 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Grade** | &nbsp;&nbsp;**Exception** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Comment | &nbsp;&nbsp;3 | &nbsp;&nbsp;RFD - Borrower Illness | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Comment | &nbsp;&nbsp;3 | &nbsp;&nbsp;Collection Comments - Incomplete - | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Comment | &nbsp;&nbsp;3 | &nbsp;&nbsp;***Total Comment Grade (3) Exceptions:*** | &nbsp;&nbsp;***2*** |

---

**SitusAMC TITLE REVIEW SUMMARY (12 Mortgage Loans)**

As part of the due diligence services, the Client provided SitusAMC with identifying data on 12 mortgage loans. Based on the scope of review set forth herein, the critical findings are summarized as follows:

● There are no potential issues concerning origination deed vesting.

● No unresolved Super Position HOA Liens recorded after the subject mortgage which were entitled to limited or full lien priority over the subject mortgage were identified.

● Except with respect to 3 Municipal Liens across 2 mortgage loan files, no unresolved Municipal Liens which had limited or full lien priority over the subject mortgage were located.

● No unresolved Property Tax Liens which had limited or full lien priority over the subject mortgage were located.

● All Prior Liens identified in our review have been resolved.

● All Prior Mortgages identified in our review have been resolved.

● As to any Miscellaneous Items of substance, the items in this category typically defy standard categorization or summarization and are individually detailed.

7 \| P a g e

![](ex991001.jpg)

**ADDITIONAL LOAN POPULATION SUMMARY\***

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Amortization Type** | **Loan**<br> **Count** | **% of**<br> **Loans** | **Original**<br> **Balance** | **% of**<br> **Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;6 | &nbsp;&nbsp;46.15% | &nbsp;&nbsp;$1197830.00 | &nbsp;&nbsp;30.10% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;7 | &nbsp;&nbsp;53.85% | &nbsp;&nbsp;$2781200.00 | &nbsp;&nbsp;69.90% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3979030.00** | &nbsp;&nbsp;**100.00%** |
| **Lien Position** | **Loan**<br> **Count** | **% of**<br> **Loans** | **Original**<br> **Balance** | **% of**<br> **Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3979030.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3979030.00** | &nbsp;&nbsp;**100.00%** |
| **Loan Purpose** | **Loan**<br> **Count** | **% of**<br> **Loans** | **Original**<br> **Balance** | **% of**<br> **Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;4 | &nbsp;&nbsp;30.77% | &nbsp;&nbsp;$1233250.00 | &nbsp;&nbsp;30.99% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;$630400.00 | &nbsp;&nbsp;15.84% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;$669000.00 | &nbsp;&nbsp;16.81% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;5 | &nbsp;&nbsp;38.46% | &nbsp;&nbsp;$1446380.00 | &nbsp;&nbsp;36.35% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3979030.00** | &nbsp;&nbsp;**100.00%** |
| **Original Term** | **Loan**<br> **Count** | **% of**<br> **Loans** | **Original**<br> **Balance** | **% of**<br> **Balance** |
| &nbsp;&nbsp;0-120 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;$144000.00 | &nbsp;&nbsp;3.62% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;10 | &nbsp;&nbsp;76.92% | &nbsp;&nbsp;$2987950.00 | &nbsp;&nbsp;75.09% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;$847080.00 | &nbsp;&nbsp;21.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3979030.00** | &nbsp;&nbsp;**100.00%** |
| **Property Type** | **Loan**<br> **Count** | **% of**<br> **Loans** | **Original**<br> **Balance** | **% of**<br> **Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;10 | &nbsp;&nbsp;76.92% | &nbsp;&nbsp;$3179030.00 | &nbsp;&nbsp;79.89% |
| &nbsp;&nbsp;Single-wide Manufactured Housing | &nbsp;&nbsp;2 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;$275000.00 | &nbsp;&nbsp;6.91% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;$525000.00 | &nbsp;&nbsp;13.19% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3979030.00** | &nbsp;&nbsp;**100.00%** |
| **Occupancy** | **Loan**<br> **Count** | **% of**<br> **Loans** | **Original**<br> **Balance** | **% of**<br> **Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3979030.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3979030.00** | &nbsp;&nbsp;**100.00%** |

---

8 \| P a g e

## Exhibit 99.1

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

 **Exhibit 99.1 - Schedule 2**

![](ex99-01.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Grade Summary** | **Grade Summary** | **Grade Summary** | **Grade Summary** | **Grade Summary** |
| **Standard and Poor's Loan Grades** | **Standard and Poor's Loan Grades** | **Standard and Poor's Loan Grades** | **Standard and Poor's Loan Grades** | **Standard and Poor's Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 0 | 0 | 0 |
| B | 0 | 13 | 0 | 13 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |
| N/A | 0 | 0 | 0 | 0 |
| **Total** | **0** | **13** | **0** | **13** |
| **FiXXh Loan Grades** | **FiXXh Loan Grades** | **FiXXh Loan Grades** | **FiXXh Loan Grades** | **FiXXh Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 0 | 0 | 0 |
| B | 0 | 13 | 0 | 13 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |
| N/A | 0 | 0 | 0 | 0 |
| **Total** | **0** | **13** | **0** | **13** |
| **DBRS Rating Agency Loan Grades** | **DBRS Rating Agency Loan Grades** | **DBRS Rating Agency Loan Grades** | **DBRS Rating Agency Loan Grades** | **DBRS Rating Agency Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 0 | 0 | 0 |
| B | 0 | 13 | 0 | 13 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |
| N/A | 0 | 0 | 0 | 0 |
| **Total** | **0** | **13** | **0** | **13** |
| **Moodys Rating Agency Loan Grades** | **Moodys Rating Agency Loan Grades** | **Moodys Rating Agency Loan Grades** | **Moodys Rating Agency Loan Grades** | **Moodys Rating Agency Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 0 | 0 | 0 |
| B | 0 | 13 | 0 | 13 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |
| N/A | 0 | 0 | 0 | 0 |
| **Total** | **0** | **13** | **0** | **13** |
| **Kroll Rating Agency Loan Grades** | **Kroll Rating Agency Loan Grades** | **Kroll Rating Agency Loan Grades** | **Kroll Rating Agency Loan Grades** | **Kroll Rating Agency Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 0 | 0 | 0 |
| B | 0 | 13 | 0 | 13 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |
| **Total** | **0** | **13** | **0** | **13** |

---

![](ex99-01.jpg)

**Loan Level Exception - Disposition**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Alternate Loan ID** | **Borrower Name** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** |
| XXXX |  |  | 3158537169 | XXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $4,888.24. | Federal Compliance - Final TIL Finance Charge Under Disclosed: It appears the lender used an index lower than XX%, which is the lowest rate in the look back period. Unable to identify which is correct index due to missing source document. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158537178 | XXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  | – B |
| XXXX |  |  | 3158537351 | XXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $257.36. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine reason for under disclosure due to missing itemization of prepaid finance charges. | REVIEWER - GENERAL COMMENT (2022-10-02): No alternative source of lender application date located in file.<br> BUYER - GENERAL COMMENT (2022-10-21): 10.21.22 Appeal attached initial application signed dated XX/XX/XXXX mortgage broker contract dated signed XX/XX/XXXX (GFE initial disclosures inFile dated XX/XX/XXXX) FINAL application dated signed XX/XX/XXXX stamped FINAL.Note date XX/XX/XXXX kindly rescind EV1 XX.<br> REVIEWER - GENERAL COMMENT (2022-10-24): Exception remains, documents provided are broker initial documents. Missing Lenders initial documents.<br> BUYER - GENERAL COMMENT (2022-10-21): 10.21.22 Appeal attached 2 different TIL with itemization description of settlement charges, 2 different good faith estimated dated application date and signed XX/XX/XXXX Note date XX/XX/XXXX kindly rescind EV1.XX.<br> REVIEWER - GENERAL COMMENT (2022-10-24): Exception remains, TIL utilized is borrower signed. Missing itemization of amount financed from loan file of disclosed TIL.<br> BUYER - GENERAL COMMENT (2022-10-27): 10.27.22 Appeal 2nd- please review description of settlement charges submitted, Note date XX/XX/XXXX for this timeline, document supported kindly EV1.XX.<br> REVIEWER - GENERAL COMMENT (2022-11-01): Unable to locate itemization for TIL at time of closing in images provided. Exception remains. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158537035 | XXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (2022-10-12): XX/XX/XXXXppeal : Please refer to CHARM booklet disclosure provided in Trailing docs on XX/XX/XXXXhich also confirms receipt of the ARM disclosure. XX<br> REVIEWER - GENERAL COMMENT (2022-10-12): Correct date was captured, Unable to confirm compliance due to missing lender initial application date. Exception remains. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA |  | – B |
| XXXX |  |  | 3158536822 | XXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  | – B |
| XXXX |  |  | 3158537314 | XXXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158536850 | XXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] State Compliance - California APLS Broker Compensation: Lender paid yield spread premiums (YSP) were not included in the California APLS points and fees.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $782.30. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. | BUYER - GENERAL COMMENT (2024-01-24): Please provide the legal reference for this citation.<br> REVIEWER - GENERAL COMMENT (2024-01-29): We cite the EV2-B due to the overall ambiguity in the law prior toXX/XX/XXXX as well as the lack of assignee liability. However, the intent of the exception is to point out that if the YSP was included in the CA points and fees total, the points and fees would exceed 6% and there would be a high cost violation. A future purchaser may have a different interpretation of the CA law where YSP is included. As such, this exception should remain an EV-2 B for visibility of the potential risk. Please note the client can waive this EV2-B exception. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158537691 | XXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] State Compliance - New York Prepayment Penalty: New York Prepayment Penalty: Max prepay term allowed on an adjustable rate loan greater than $250,000 is 12 months. Loan contracts for prepay term of 36 months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $350.00. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose processing fee of $200.00, service charges $65.00, Title closer fee of $395.00 and Courier fee of $50.00 as prepaid finance charge.<br>TIL Itemization only disclosed an attorney fee in the amount of $1250.00 and final HUD reflects $950.00 and courier fee of $40.00 and HUD reflects $30.00. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158536862 | XXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Missing: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone.<br> [2] State Compliance - Louisiana Prepayment Penalty: Louisiana Prepayment Penalty: Maximum penalty allowed per state is 5%, 4%, 3%, 2%, 1% (in Years 1-5). Loan contracts for prepay percentages of XX%, which exceeds the max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XX is underdisclosed from calculated Finance Charge of $XX in the amount of $269.75. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Notice of Special Flood Hazard Disclosure Missing: Liability for violations cannot be transferred to a subsequent purchaser of a loan.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158536987 | XXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | – B |
| XXXX |  |  | 3158537100 | XXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Unable to test counseling agencies list due to missing information.<br> [2] State Compliance - Michigan Prepayment Penalty: Michigan Prepayment Penalty: Maximum calculated prepay of $XX exceeds the state maximum for first lien loans of 1% of the prepaid balance ($XX). Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XX is underdisclosed from calculated Finance Charge of $XX in the amount of $230.37. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used as application date systematically produced by the originator for compliance testing<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose Settlement/Closing/Escrow Fee of $175 and Title Courier/Messenger Fee of $20.00 as prepaid finance charges. |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158537356 | XXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | – B |
| XXXX |  |  | 3158540439 | XXXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | – B |

---

![](ex99-01.jpg)

**Exception Ratings**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Alternate Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Unable To Clear Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX |  |  | 3158537169 | 12570773 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/XXXX. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537169 | 12570575 | XX/XX/XXXX | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537169 | 12618800 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537169 | 12570778 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $4,888.24. | It appears the lender used an index lower than XX%, which is the lowest rate in the look back period. Unable to identify which is correct index due to missing source document. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537169 | 12570774 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537169 | 12570775 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537178 | 26910917 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537351 | 26863803 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2022-10-24): Exception remains, documents provided are broker initial documents. Missing Lenders initial documents.<br>Buyer Comment (2022-10-21): 10.21.22 Appeal attached initial application signed dated XX/XX/XXXX mortgage broker contract dated signed XX/XX/XXXX (GFE initial disclosures inFile dated XX/XX/XXXX) FINAL application dated signed XX/XX/XXXX stamped FINAL.Note date XX/XX/XXXX kindly rescind EV1 XX.<br>Reviewer Comment (2022-10-02): No alternative source of lender application date located in file. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537351 | 26863805 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $257.36. | Unable to determine reason for under disclosure due to missing itemization of prepaid finance charges. |  | Reviewer Comment (2022-11-01): Unable to locate itemization for TIL at time of closing in images provided. Exception remains.<br>Buyer Comment (2022-10-27): 10.27.22 Appeal 2nd- please review description of settlement charges submitted, Note date XX/XX/XXXX for this timeline, document supported kindly EV1.XX.<br>Reviewer Comment (2022-10-24): Exception remains, TIL utilized is borrower signed. Missing itemization of amount financed from loan file of disclosed TIL.<br>Buyer Comment (2022-10-21): 10.21.22 Appeal attached 2 different TIL with itemization description of settlement charges, 2 different good faith estimated dated application date and signed XX/XX/XXXX Note date XX/XX/XXXX kindly rescind EV1.XX. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537035 | 26865017 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537035 | 26865018 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  | Reviewer Comment (2022-10-12): Correct date was captured, Unable to confirm compliance due to missing lender initial application date. Exception remains.<br>Buyer Comment (2022-10-12): XX/XX/XXXXppeal : Please refer to CHARM booklet disclosure provided in Trailing docs on XX/XX/XXXXhich also confirms receipt of the ARM disclosure. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537035 | 26865066 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158536822 | 28395990 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537314 | 28390908 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158536850 | 29717082 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536850 | 29717175 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536850 | 29717176 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Compliant | California APLS Broker Compensation | Lender paid yield spread premiums (YSP) were not included in the California APLS points and fees. |  |  | Reviewer Comment (2024-01-29): We cite the EV2-B due to the overall ambiguity in the law prior toXX/XX/XXXX as well as the lack of assignee liability. However, the intent of the exception is to point out that if the YSP was included in the CA points and fees total, the points and fees would exceed 6% and there would be a high cost violation. A future purchaser may have a different interpretation of the CA law where YSP is included. As such, this exception should remain an EV-2 B for visibility of the potential risk. Please note the client can waive this EV2-B exception.<br>Buyer Comment (2024-01-24): Please provide the legal reference for this citation. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536850 | 29717177 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158536850 | 29731383 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $782.30. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537691 | 29728216 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $350.00. | TIL itemization did not disclose processing fee of $200.00, service charges $65.00, Title closer fee of $395.00 and Courier fee of $50.00 as prepaid finance charge.<br>TIL Itemization only disclosed an attorney fee in the amount of $1250.00 and final HUD reflects $950.00 and courier fee of $40.00 and HUD reflects $30.00. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537691 | 29728214 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537691 | 29728170 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537691 | 29728215 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | New York Prepayment Penalty | New York Prepayment Penalty: Max prepay term allowed on an adjustable rate loan greater than $250,000 is 12 months. Loan contracts for prepay term of 36 months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536862 | 30265536 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536862 | 30265635 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536862 | 30265637 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Louisiana Prepayment Penalty | Louisiana Prepayment Penalty: Maximum penalty allowed per state is 5%, 4%, 3%, 2%, 1% (in Years 1-5). Loan contracts for prepay percentages of XX%, which exceeds the max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536862 | 30265638 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XX is underdisclosed from calculated Finance Charge of $XX in the amount of $269.75. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158536987 | 30267767 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536987 | 30267769 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537100 | 30268653 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537100 | 30292364 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used as application date systematically produced by the originator for compliance testing |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537100 | 30268657 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XX is underdisclosed from calculated Finance Charge of $XX in the amount of $230.37. | TIL Itemization did not disclose Settlement/Closing/Escrow Fee of $175 and Title Courier/Messenger Fee of $20.00 as prepaid finance charges. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537100 | 30268655 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Michigan Prepayment Penalty | Michigan Prepayment Penalty: Maximum calculated prepay of $XX exceeds the state maximum for first lien loans of 1% of the prepaid balance ($XX). Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537100 | 30268654 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Unable to test counseling agencies list due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537100 | 30268652 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537100 | 30268651 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537356 | 30269275 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537356 | 30269365 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540439 | 30274839 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540439 | 30274840 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540439 | 30274842 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540439 | 30274843 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540439 | 30274845 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158540439 | 30274846 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |

---

![](ex99-01.jpg)

**Data Compare**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Alternate Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** |
| XXXX |  |  | 3158537169 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537169 | Original P&I | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537169 | Borrower Full Name | XXXX | XXXX | Ignored |
| XXXX |  |  | 3158537178 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537351 | Coborrower Last Name | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537351 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537035 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537314 | Borrower Last Name | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537314 | Property Type | Mobile Home | Manufactured Housing | Verified |
| XXXX |  |  | 3158537314 | Borrower First Name | XXXX | XXXX | Verified |
| XXXX |  |  | 3158536850 | Original P&I | XXXX | XXXX | Verified |
| XXXX |  |  | 3158536850 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158536850 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537691 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537691 | Interest Only | 0 |  | Verified |
| XXXX |  |  | 3158537100 | Borrower First Name | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537100 | Borrower Last Name | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537100 | Interest Only | 0 |  | Verified |
| XXXX |  |  | 3158537356 | Street | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540439 | Interest Only | 0 |  | Verified |

---

## Exhibit 99.1

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

 **Exhibit 99.1 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC ID** | **Client LN** | **Seller LN** | **Servicer LN** | **Alternate Loan ID** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Critical Defect** | **SMtg Open** | **Address Variation** | **Origination Vesting** | **Current Vesting** | **SMtg First Position Mortgage** | **Prior Lien / Judgment** | **Municipal Lien** | **Association Super Lien** | **Property Tax Lien** | **Property Tax Status** | **SMtg Lien Position (Mortgages)** | **Critical Exception Count** | **Prior Mortgage Exception Count** | **Prior Mortgage Exception Total** | **Prior Mortgage Exception Details** | **Prior Lien Exception Count** | **Prior Lien Exception Total** | **Prior Lien Exception Details** | **Municipal Lien Exception Count** | **Municipal Lien Exception Total** | **Municipal Lien Exception Details** | **Property Tax Lien Exception Count** | **Property Tax Lien Exception Total** | **Property Tax Lien Exception Details** | **Association Lien Exception Count** | **Association Lien Exception Total** | **Association Lien Exception Details** | **IRS Lien Exception Count** | **IRS Lien Exception Total** | **IRS Lien Exception Details** | **Deed Vesting Exception Categories** | **Property Tax Status Issue** | **DQ Property Tax Amount** | **Property Tax Status Details** | **Final Event Level** | **Title Exceptions** | **Title Comments** |
| XXXX |  |  |  | 3158537178 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Mello-Roos Assessment | XXXX |
| XXXX |  |  |  | 3158537351 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158537035 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158536822 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537314 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158536850 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 22 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537691 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 24 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158536862 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Association Lien - Non-Super Lien | XXXX |
| XXXX |  |  |  | 3158536987 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537100 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158537356 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 2 |  |  |  | 0 |  |  | 2 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Code Violation<br>Code Violation | XXXX |
| XXXX |  |  |  | 3158540439 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 24 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC ID** | **Client LN** | **Seller LN** | **Alternate Loan ID** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Origination Balance** | **Origination Date** | **Unique Exception ID** | **Exception Grade** | **Raw Exception Grade** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **SOL Expired** | **SOL Expiration Date** | **Title Policy** | **Title Policy Insurer** | **Title Policy Effective Date** | **Title Policy Exception** | **Paid on HUD** | **CBR Status** | **Borrower Vested on Title Policy** | **Lien Amount** | **Accrual Rate** | **Lienholder** | **Recording Date** | **Additional Exception Information** |
| XXXX |  |  | 3158537178 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 26865641 | 2 | 2 | Title Diligence | Municipal Lien | Mello-Roos Assessment |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537351 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 26867996 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158536822 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 28471129 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158536822 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 28471242 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158536862 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 30282457 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158536862 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 30282460 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537100 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 30282096 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158537356 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 30275932 | 3 | 3 | Title Diligence | Municipal Lien | Code Violation |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537356 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 30275933 | 3 | 3 | Title Diligence | Municipal Lien | Code Violation |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540439 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 30279650 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540439 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 30279684 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |

---

## Exhibit 99.1

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

 **Exhibit 99.1 - Schedule 4**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOANUID** | **LOANID** | **LOANID2** | **SLOANID** | **Alternate Loan ID** | **First Payment Date** | **Data Cutoff Date** | **Pay History Scope** | **Pay History Summary (MBA)** | **Months of Data Missing During Lookback** | **Delinquency During Lookback** |
|  |  |  |  | 3158537035 | XX/XX/XXXX | 01/31/2023 | 36 | 010110000000000000000001000021001000 | 0 | 7 |
|  |  |  |  | 3158537178 | XX/XX/XXXX | 01/31/2023 | 36 | 100000000000000000000000000000000000 | 0 | 1 |
|  |  |  |  | 3158537351 | XX/XX/XXXX | 01/31/2023 | 36 | 433210000000000000000000000021111110 | 0 | 12 |
|  |  |  |  | 3158536822 | XX/XX/XXXX | 04/30/2023 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537314 | XX/XX/XXXX | 04/30/2023 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158536850 | XX/XX/XXXX | 12/31/2023 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537691 | XX/XX/XXXX | 12/31/2023 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158536862 | XX/XX/XXXX | 03/31/2024 | 36 | 000000000000000010121001010654321087 | 0 | 14 |
|  |  |  |  | 3158536987 | XX/XX/XXXX | 03/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537100 | XX/XX/XXXX | 03/31/2024 | 36 | 000000000000000000000000000000999987 | 0 | 6 |
|  |  |  |  | 3158537356 | XX/XX/XXXX | 03/31/2024 | 36 | 000000000000000000000000000000098765 | 0 | 5 |
|  |  |  |  | 3158540439 | XX/XX/XXXX | 03/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |

---

---

| | | |
|:---|:---|:---|
| **Category** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| No Delinquency, No Missing Data | 6 | 50.00% |
| Delinquency, No Missing Data | 6 | 50.00% |
| No Delinquency, At Least One Month Missing | 0 | 0.00% |
| Delinquency, At Least One Month Missing | 0 | 0.00% |
| **Total** | **12** | **100.00%** |

---

## Exhibit 99.1

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

 **Exhibit 99.1 - Schedule 5**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Seller Loan ID** | **Alternate Loan ID** | **Final Current Event Level** | **Current Exceptions** | **Collection comments** |
|  |  | 3158537314 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The authorized third party called in to make a payment<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537351 | 3 | [3] RFD - Borrower Illness<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower made a promise to pay in the amount of $X.XX for XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537356 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536822 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536850 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536862 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized XX party on the borrower's behalf was XX/XX/XXXX. Call from borrower said borrower X does not want to be successor in interest and wants to removed. Borrower X need to submit documents to prove does not have ownership right and be removed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537691 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized XX party on the borrower's behalf was XX/XX/XXXX. The borrower discussed the loan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536987 | 1 | [1] Written Dispute - Servicer responded within XX days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized XX party on the borrower's behalf was XX/XX/XXXX. The servicer spoke with borrower and advised of late charge impacts and borrower accepted all the loss mitigation options. Borrower informed the reason for delinquency due to curtailment of income and reason for delinquency is not resolved. Borrower is unable to offer a promise to pay as borrower is retired.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded within XX days and no further communication from mortgagor. On X/XX/XXXX, a written credit bureau dispute was received. The dispute was resolved as the servicer confirmed the credit reporting was accurate as of the date the report occurred. There was no further mention about the dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540439 | 1 | [1] Written Dispute - Servicer responded within XX days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized XX party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX borrower called to discuss general information on file and inquire about loan history.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded within XX days and no further communication from mortgagor. As per comment dated XX/XX/XXXX servicer received a correspondence from borrower related to credit dispute, however it did not have complete/enough information hence the agent mailed borrower a form to fill which will assist in understanding the issue in a better way.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537100 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized XX party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX borrower called to schedule a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537178 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower promised to make a payment via the fastpay system.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537035 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. An authorized third party made a promise to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |

---

![](ex99-01.jpg)

**Exception Summary**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Exception Type** | **Exception Grade** | **Exception** | **Open Exceptions** | **Cleared Exceptions** | **Cured Exceptions** | **Waived Exceptions** | **Unable to Clear Exceptions** | **Total** |
| Comment | 3 | RFD - Borrower Illness | 1 | 0 | 0 | 0 | 0 | 1 |
| Comment | 3 | Collection Comments - Incomplete - | 1 | 0 | 0 | 0 | 0 | 1 |
| Comment | 3 | ***Total Comment Grade (3) Exceptions:*** | ***2*** | ***0*** | ***0*** | ***0*** | ***0*** | ***2*** |

---

![](ex99-01.jpg)

**Exception Standard Report**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Alternate Loan ID** | **Loan Exception ID** | **Exception ID** | **Investor Loan Number** | **Loan Status** | **Exception Date** | **Exception Subcategory** | **Exception Status** | **Exception Status Change Date** | **Exception Grade** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Statute of Limitation Date** | **Comments** |
| XXXX |  |  |  | 3158537351 | 28058960 | 5631 |  | Loan Review Complete | 03/03/2023 | General | open |  | 3 | RFD - Borrower Illness |  |  |  |  |  |
| XXXX |  |  |  | 3158537100 | 30328920 | 6429 |  | Loan Review Complete | 04/12/2024 | General | open |  | 3 | Collection Comments - Incomplete - | Missing XX/XX/XXXX - XX/XX/XXXX |  |  |  |  |

---

## Exhibit 99.1

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

 **Exhibit 99.1 - Schedule 6**

![](ex99-01.jpg)

**Modification Only Extract**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Alternate Loan ID** | **Borrower Name** | **Street** | **City** | **State** | **Zip** | **Has Modification?** | **Mod Doc Status** | **Mod Amortization Type** | **Total Amount Deferred** | **Mod UPB** | **Mod Principal Forgiven** | **Mod Amount Capitalized** | **Mod Deferred Balance** | **Mod Accruing UPB** | **Mod Date** | **Mod First Payment Date** | **Mod Maturity Date** | **Mod Original Term** | **Mod Amortization Term** | **Mod Original Interest Rate** | **Mod P&I** | **Mod P&I - Calculated** | **Mod Payment Frequency** | **Mod Interest Collection Type** | **Mod Interest Only?** | **Mod Interest Only Period** | **Mod Interest Only Period Expiration** | **Mod Balloon?** | **Mod Neg Am?** | **Mod Months Extended** | **Mod Neg Am Cap (% of UPB)** | **Principal Reduction Alternative** | **Balance Eligible** | **Principal Reduction Alt Amount** | **PRA Year 1 Anniversary Date** | **PRA Year 1 Reduction Amount** | **PRA Year 2 Anniversary Date** | **PRA Year 2 Reduction Amount** | **PRA Year 3 Anniversary Date** | **PRA Year 3 Reduction Amount** | **Mod Program Type** | **Mod Cure** | **Mod Teaser Rate** | **Mod Rate Change Frequency (Payments)** | **Mod Payment Change Frequency (Payments)** | **Mod First Interest Rate Change Date** | **Mod First Payment Change Date** | **Mod Next Interest Rate Change Date** | **Mod Next Payment Change Date** | **Mod Index Type / ARM Type** | **Mod Lookback Period** | **Mod Rounding Factor** | **Mod Rounding Method** | **Mod Initial Rate Cap** | **Mod Initial Rate Floor** | **Mod Initial Rate Maximum** | **Mod Initial Rate Minimum** | **Mod Life Rate Cap** | **Mod Life Rate Floor** | **Mod Life Rate Maximum** | **Mod Life Rate Minimum** | **Mod Periodic Rate Cap** | **Mod Periodic Rate Floor** | **Mod Margin** | **Step 1 Rate Change Date** | **Step 1 Payment Change Date** | **Step 1 Rate** | **Step 1 P&I** | **Step 1 # Payments** | **Step 2 Rate Change Date** | **Step 2 Payment Change Date** | **Step 2 Rate** | **Step 2 P&I** | **Step 2 # Payments** | **Step 3 Rate Change Date** | **Step 3 Payment Change Date** | **Step 3 Rate** | **Step 3 P&I** | **Step 3 # Payments** | **Step 4 Rate Change Date** | **Step 4 Payment Change Date** | **Step 4 Rate** | **Step 4 P&I** | **Step 4 # Payments** | **Step 5 Rate Change Date** | **Step 5 Payment Change Date** | **Step 5 Rate** | **Step 5 P&I** | **Step 5 # Payments** | **Step 6 Rate Change Date** | **Step 6 Payment Change Date** | **Step 6 Rate** | **Step 6 P&I** | **Step 6 # Payments** | **Step 7 Rate Change Date** | **Step 7 Payment Change Date** | **Step 7 Rate** | **Step 7 P&I** | **Step 7 # Payments** | **Step 8 Rate Change Date** | **Step 8 Payment Change Date** | **Step 8 Rate** | **Step 8 P&I** | **Step 8 # Payments** | **Step 9 Rate Change Date** | **Step 9 Payment Change Date** | **Step 9 Rate** | **Step 9 P&I** | **Step 9 # Payments** | **Step 10 Rate Change Date** | **Step 10 Payment Change Date** | **Step 10 Rate** | **Step 10 P&I** | **Step 10 # Payments** | **Mod Prepayment Penalty?** | **Mod Prepayment Penalty Period (months)** | **Mod Prepayment Penalty Percent Amount Year 1** | **Mod Prepayment Penalty Percent Amount Year 2** | **Mod Prepayment Penalty Percent Amount Year 3** | **Mod Prepayment Penalty Percent Amount Year 4** | **Mod Prepayment Penalty Percent Amount Year 5** | **Mod Prepayment Balance Allowance** | **Mod Prepayment Balance Type** | **Mod Hard Penalty Period (Months)** | **Mod Maximum Prepayment Penalty Amount** | **Mod Prepayment Penalty Enforcement** | **Mod Prepayment Penalty Expiration Date** | **Mod Prepayment Penalty Months Interest** | **Mod Stated Penalty Amount** | **Mod Prepayment Terms** | **Mod Extension Deferment?** | **Mod Extension Date** | **New Maturity Date** | **Mod Extension Months** | **Latest Mod Deferment Date** | **Number of Deferments** | **Total Mod Deferment Amount** | **Active Temp Mod?** | **Temp Mod Expiraton Date** | **Temp Mod Status** | **Temp Mod Reverts To** | **Temp Mod Amortization Type** | **Temp Mod UPB** | **Temp Mod Accruing UPB** | **Temp Mod Principal Forgiven** | **Temp Mod Deferred Balance** | **Temp Mod Date** | **Temp Mod First Payment Date** | **Temp Mod Maturity Date** | **Temp Mod Original Interest Rate** | **Temp Mod PI** | **Temp Mod Interest Only** | **Temp Mod Interest Only Period** | **Mod Comments** | **Post Mod Other Change** | **Post Mod Change Date** | **Post Mod Forgiveness Amount** | **Post Mod Change Comment** |
| XXXX |  |  |  | 3158537169 | XXXX | XXXX | XXXX | XX | XXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | %XX | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537035 | XXXX | XXXX | XXXX | XX | XXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | %XX | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | XX | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537178 | XXXX | XXXX | XXXX | XX | XXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | %XX | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXx | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A letter to the borrower dated XX/XX/XXXX forgave the entire modification deferred balance of $XXX. The current servicing modification date appears to be related to a forgiveness letter. | Yes | XX/XX/XXXX | $XXX | A letter to the borrower dated XX/XX/XXXXforgave the entire modification deferred balance of $XXX. |
| XXXX |  |  |  | 3158537351 | XXXX | XXXX | XXXX | XX | XXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | %XX | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | XX | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A letter to the borrower dated XX/XX/XXXX forgave the entire modification deferred balance of $XXX. The current servicing modification date appears to be related to the forgiveness letter. | Yes | XX/XX/XXXX | $XXX | A letter to the borrower dated XX/XX/XXXX forgave the entire modification deferred balance of $XXX. |
| XXXX |  |  |  | 3158536822 | XXXX | XXXX | XXXX | XX | XXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | %XX | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537314 | XXXX | XXXX | XXXX | XX | XXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | %XX | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158536850 | XXXX | XXXX | XXXX | XX | XXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | %XX | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a fixed rate conversion modification that fixes the rate through the life of the loan; all other terms of the original Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158537691 | XXXX | XXXX | XXXX | XX | XXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | %XX | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXx | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A letter to the borrower dated XX/XX/XXXX forgave the entire modification deferred balance of $XXX. The current servicing modification date appears related to the forgiveness letter. | Yes | XX/XX/XXXX | $XXX | A letter to the borrower dated XX/XX/XXXX forgave the entire modification deferred balance of $XXX. |
| XXXX |  |  |  | 3158536862 | XXXX | XXXX | XXXX | XX | XXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | %XX | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XX |  | Yes | $XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXx | XX% | $XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current deferred variance appears related to 2 PRA anniversary dates which have expired. Missing an Extension Agreement to cure the maturity date variance from XX/XX/XXXX to XX/XX/XXXX | No |  |  |  |
| XXXX |  |  |  | 3158536987 | XXXX | XXXX | XXXX | XX | XXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | %XX | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXx | XX% | $XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | XX | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | It appears the stated step payment per the modification is inclusive of the monthly escrow amounts. | No |  |  |  |
| XXXX |  |  |  | 3158537100 | XXXX | XXXX | XXXX | XX | XXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | %XX | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XX |  | No |  |  |  |  |  |  |  |  | Recast / Reamortization | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXx | XX% | $XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | XX | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537356 | XXXX | XXXX | XXXX | XX | XXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | %XX | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXx | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | XX | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540439 | XXXX | XXXX | XXXX | XX | XXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | %XX | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXx | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | XX | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. The current servicing modification date appears to be related to the forgiveness letter. | Yes | XX/XX/XXXX | $XXX | A letter to the borrower dated XX/XX/XXXX forgave $XXXof the modification deferred balance. |

---

![](ex99-01.jpg)

**Exception Standard Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Alternate Loan ID** | **Loan Exception ID** | **Exception ID** | **Investor Loan Number** | **Last Name** | **Purpose** | **Occupancy** | **Note Date** | **State** | **Original Loan Amount** | **Loan Status** | **Exception Date** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **Exception Status** | **Exception Status Change Date** | **Exception Grade** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Statute of Limitation Date** | **Comments** |
| XXXXX |  |  |  | 3158537169 | 12581169 | 24159 |  | XXXXX |  |  |  |  |  | Loan Review Complete | 07/17/2019 | Missing Document | General | Credit | cleared | 08/12/2019 | 1 | Missing Document: Deferment not provided |  | Missing a deferral agreement to cure the deferred balance variance of $XXX |  |  | Buyer Comment (2019-08-05): 8-5-19 - Appeal - attached is an executed modification agreement reflecting difference of $XXX ($XXX- $XXX "new principal balance" = $XXX). XXX<br>Reviewer Comment (2019-08-06): No modification provided. Only title search documents provided. No update.<br>Seller Comment (2019-08-12): Appeal - 8-6-19 - your response of "Only title search documents provided. No update" does not apply to my attachment. I did not attach title search documents. I attached a coverletter and modification agreement (attaching again) which in paragraph 1 of the cover letter states the balance of $XXX will not accrue interest and will be due in a single payment at pay off (deferment of principal). I have also attached the signed modification agreement with the pertinent terms/details. Please re-review this exception. XXX<br>Reviewer Comment (2019-08-12): The deferred amount is listed in first paragraph of page one of the document provided. Exception cleared.<br>Reviewer Comment (2019-08-12): TD provided. |
| XXXXX |  |  |  | 3158536862 | 30277870 | 5003 |  | XXXXX |  |  |  |  |  | Loan Review Complete | 04/03/2024 | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to cure the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXXX |  |  |  | 3158536987 | 30282325 | 24159 |  | XXXXX |  |  |  |  |  | Loan Review Complete | 04/03/2024 | Missing Document | General | Credit | cleared | 05/02/2024 | 1 | Missing Document: Deferment not provided |  | Missing a deferral agreement to cure the deferred balance variance of $XXX. |  |  | Reviewer Comment (2024-05-02): Condition cleared. Deferment agreement received. |
| XXXXX |  |  |  | 3158540439 | 30248950 | 24159 |  | XXXXX |  |  |  |  |  | Loan Review Complete | 04/03/2024 | Missing Document | General | Credit | cleared | 05/02/2024 | 1 | Missing Document: Deferment not provided |  | Missing a deferral agreement to cure the deferred balance variance of $XXX. |  |  | Reviewer Comment (2024-05-02): Target deferment agreement provided. |

---

![](ex99-01.jpg)

**Data Compare**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Alternate Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| XXXXX |  |  | 3158537169 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXXX |  |  | 3158537178 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date appears to be related to a forgiveness letter. |
| XXXXX |  |  | 3158537351 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date appears to be related to the forgiveness letter. |
| XXXXX |  |  | 3158537314 | Mod Date |  | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXXX |  |  | 3158537314 | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXXX |  |  | 3158536850 | Mod Date |  | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXXX |  |  | 3158536850 | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXXX |  |  | 3158537691 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date appears related to the forgiveness letter. |
| XXXXX |  |  | 3158536862 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to cure the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXXX |  |  | 3158536862 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to cure the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXXX |  |  | 3158536862 | Calculated Amount Due at Maturity | $XXX | $XXX | The current deferred variance appears related to 2 PRA anniversary dates which have<br> expired. |
| XXXXX |  |  | 3158540439 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date appears to be related to the forgiveness letter. |

---

## Exhibit 99.2

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

**Exhibit 99.2 - Schedule 1**

![](ex992001.jpg)

![](ex992002.jpg)

**July 14, 2025**<br> **Due Diligence Narrative Report**

![](ex992003.jpg)

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | *2* |
| &nbsp;&nbsp;&nbsp;*TPR Component Compliance Review Scope (101 loans)* | *3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 3 |
| &nbsp;&nbsp;&nbsp;*Title & Lien Review (101 loans)* | *4* |
| &nbsp;&nbsp;&nbsp;*Payment History and Servicing Review (90 loans)* | *4* |
| **DAta Compare Compare Results (101 LOANS)** | **4** |
| &nbsp;&nbsp;&nbsp;*MoDIFICATION data integrity review (75 loans)* | *5* |
| &nbsp;&nbsp;&nbsp;*Modification Data Compare Results (75 LOANS)* | *5* |
| **Clayton Due Diligence Results (101 LOANS)** | **6** |
| **Appendix A: Regulatory Compliance Review Scope** | **7** |
| &nbsp;&nbsp;&nbsp;*CLAYTON THIRD PARTY DELIVERED REPORTS* | *12* |

---

Chase 2025-RPL1 \| Due Diligence Narrative Report Page \| 1 July 14, 2025

![](ex992003.jpg)

**CLAYTON CONTACT INFORMATION**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex992004.jpg) | **Chris Turk** | Senior Director of Client Services |

---

Phone: (813) 472-6509/E-mail: <u>cturk@clayton.com</u>

---

| | | |
|:---|:---|:---|
| ![](ex992004.jpg) | **Joe Ozment** | VP, Client Services & Securitization |

---

Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u>

**OVERVIEW**

On behalf of JPMorgan Chase Bank, National Association ("JPMorgan"), Clayton conducted an independent third-party pre-securitization due diligence review of 101 residential loans selected for the Chase 2025-RPL1 transaction. The loans referenced in this narrative report were reviewed on a bulk loan basis from August 2020 to December 2020 at Clayton's centralized underwriting facilities in Tampa, FL and Denver, CO.

This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**CLAYTON'S THIRD PARTY REVIEW ("TPR") SCOPE OF WORK**

The scope of work for this transaction consisted of Regulatory Compliance Review, Loan Modification, Data Integrity Review, 36 month Payment History/Servicing, and Title/Lien search.

A review of the full population (101 loans) was performed on the Compliance and Tax and Lien review.

A Review of 90 loans for Pay History/Pay String, 64 loans containing servicing comments and 75 loans that contained a modification were also performed.

LOAN GRADING

Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade takes into account additional information and supporting documentation that may have been provided by the servicer to clear outstanding conditions. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades, and sets forth waivers. The compliance exception report and the modification data report lists all exceptions within a loan that were part of the scope of work noted in this narrative.

Chase 2025-RPL1 \| Due Diligence Narrative Report Page \| 2 July 14, 2025

![](ex992003.jpg)

Clayton's loan grading complied with the following rating agency grades for the scope of work noted in this narrative.

---

| | | |
|:---|:---|:---|
| **Grade Description** | **Compliance** | **Compliance** |
| **Grade Description** | **Multiple\*** | **S&P** |
| No exceptions noted | A | A |
| Satisfied (previously material) exceptions | A | A |
| Non-material exceptions noted | B | B |
| Material, exceptions noted | C | C |
| Material documentation missing | D | D |

---

*\* This grade definition is used by mulitiple entities, including Moody's, Kroll, DBRS/Morningstar, and Fitch*

TPR COMPONENT COMPLIANCE REVIEW SCOPE (101 LOANS)

REGULATORY COMPLIANCE REVIEW

Clayton input the appropriate data points into its Clayton Loan Analysis System, (eCLAS), to determine the loan's compliance with Federal, state and local anti-predatory lending laws.

The purpose of this review was to assign a compliance event grade to each loan reviewed.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed
compliance with state specific consumer protection laws by testing late charge and prepayment penalty provisions;

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

- Prepayment Penalty restrictions.

Clayton evaluates the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point. However, client reserves the right to review on a case-by- case basis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real
Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

Chase 2025-RPL1 \| Due Diligence Narrative Report Page \| 3 July 14, 2025

![](ex992001.jpg)

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

TITLE & LIEN REVIEW (101 LOANS)

Clayton provided JP Morgan Chase Bank, NA, with a 3rd Party Title Report on 101 loans from Covius Settlement Services. No Clayton grading was opined to the review. Clayton conducted an examination of the 3<sup>rd</sup> Party Title Report which included the below:

○ Examiners utilized the information provided by the client including SSN, DOB and information within the collateral file (if provided) to remove search findings that do not impact the subject mortgage lien position from the agreed upon excel spreadsheet.

○ The examiner used their knowledge of the various jurisdictions to remove liens and judgments that would not attach to the subject property and take priority over the subject mortgage.

PAYMENT HISTORY AND SERVICING REVIEW (90 LOANS)

Clayton conducted a Payment History Review on 90 loans and a Servicing Comment review on 64 loans. Clayton reviewed the payment history to validate payments during the last 36 months.

**DATA COMPARE COMPARE RESULTS (101 LOANS)**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**Accuracy<br> %** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;92.08% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;94.06% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.01% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.02% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.03% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.02% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;11 | &nbsp;&nbsp;89.11% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.10% |
| &nbsp;&nbsp;First Rate Change Date | &nbsp;&nbsp;13 | &nbsp;&nbsp;87.13% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.01% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;76 | &nbsp;&nbsp;24.75% |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;5 | &nbsp;&nbsp;95.05% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.01% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;6 | &nbsp;&nbsp;94.06% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;7 | &nbsp;&nbsp;93.07% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.02% |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;83 | &nbsp;&nbsp;17.82% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;91.09% |
| &nbsp;&nbsp;Prepay Penalty Term | &nbsp;&nbsp;5 | &nbsp;&nbsp;95.05% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.02% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.01% |

---

Chase 2025-RPL1 \| Due Diligence Narrative Report Page \| 4 July 14, 2025

![](ex992001.jpg)

MODIFICATION DATA INTEGRITY REVIEW (75 LOANS)

Clayton utilized its proprietary eCLAS tool to determine tape to file accuracy of 75 Modification loans, by completing the following steps:

● Compared elements from source documents to the data file provided

● Tape data received from lender/client is stored in eCLAS;

● Loan Reviewer collects validated loan data in eCLAS;

● Each received data point is compared to its counterpart collected data point;

● Discrepancies found during comparison are stored in eCLAS.

MODIFICATION DATA COMPARE RESULTS (75 LOANS)

Clayton provided JP Morgan Chase Bank, NA , with a copy of the modification tape compare report which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review.

Clayton performed a data integrity tape compare on 75 modification loans, the below tolerances were applied.

Modification Fields:

---

| | | |
|:---|:---|:---|
| **Field** | **Fixed Mods** | **Step Mods** |
| Mod First Payment Date | X | X |
| Mod Maturity Date | X | X |
| Current Interest Rate | X | X |
| Current Payment Amount (Recast Payment) | X | X |
| Future Step Rates (Step Rates) | | X |
| Future Step Rate Dates (Step Dates) | | X |
| Non-Interest Bearing UPB at Month End | X | X |
| DPM First Payment Date (if applicable) | X | X |

---

Chase 2025-RPL1 \| Due Diligence Narrative Report Page \| 5 July 14, 2025

![](ex992001.jpg)

**CLAYTON DUE DILIGENCE RESULTS (101 LOANS)**

**Initial and Final Overall Loan Grade Results (Compliance Only Review)**

<u>(Loan Pool 101 loans)</u>

The overall grade summary reflects the regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
|  | | **A** | **B** | **C** | **D** | **Total** |
|  | A | 11 | 46 | | 16 | **73** |
|  | B | | 10 | 3 | 15 | **28** |
|  | C | | | | | **0** |
|  | D | | | | | **0** |
| **Final** | **Total** | **11** | **56** | **3** | **31** | **101** |

---

Chase 2025-RPL1 \| Due Diligence Narrative Report Page \| 6 July 14, 2025

![](ex992001.jpg)

**APPENDIX A: REGULATORY COMPLIANCE REVIEW SCOPE**

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

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

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

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

○ Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

○ Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note

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

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

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

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

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

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

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

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

○ High Cost mortgage thresholds for points and fees (Section 32)

○ High Cost Prohibited Acts and Practices upon request (Section 33)

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

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

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

Chase 2025-RPL1 \| Due Diligence Narrative Report Page \| 7 July 14, 2025

○ TILA/RESPA Integrated Disclosures ("TRID")

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

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

● Pre-application forms cannot look similar to the LE

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

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

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

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

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

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

● Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

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

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

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

● Interest-only periods and final balloon payments are accurately completed.

● The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

● When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

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

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

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

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

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

● Alphabetization of fees.

● Title fees preceded by "Title –."

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

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

● Once a fee is disclosed it must remain substantially the same name across disclosures.

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

Chase 2025-RPL1 \| Due Diligence Narrative Report Page \| 8 July 14, 2025

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

● Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

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

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

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

● That there is either a signature or a Loan Acceptance statement on the form.

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

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

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

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

● Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

● Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

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

● Corrected CD's provided with a post-close refund.

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

● Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

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

● Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

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

● Affiliated Business Disclosure (can impact fee tolerances)

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

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

● Whether the Liability after Foreclosure selection is correct for the property state.

● Accuracy of the Aggregate Adjustment amount.

● Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

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

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

Chase 2025-RPL1 \| Due Diligence Narrative Report Page \| 9 July 14, 2025

![](ex992001.jpg)

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

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

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

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

---

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

---

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

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

---

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

---

&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Anti-Predatory** 

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

● Minnesota (Mortgage Originator and Service Licensing Act)

Chase 2025-RPL1 \| Due Diligence Narrative Report Page \| 10 July 14, 2025

![](ex992001.jpg)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

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

---

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

---

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

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

---

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

---

Chase 2025-RPL1 \| Due Diligence Narrative Report Page \| 11 July 14, 2025

![](ex992001.jpg)

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

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

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

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

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

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

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

CLAYTON THIRD PARTY DELIVERED REPORTS

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Tape
 Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Custom
 Mod Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Exception
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Pay
 History Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Servicing
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Title
 Review Report© 2025 Clayton Services LLC. All rights reserved.

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

Chase 2025-RPL1 \| Due Diligence Narrative Report Page \| 12 July 14, 2025

## Exhibit 99.2

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

 **Exhibit 99.2 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Initial S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| XXXXXX | 3158537264 | XXXXXX | NY | (No Data) | ATR/QM: Not Applicable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| XXXXXX | 3158537322 | XXXXXX | TX | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Active | B | B | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower, unable to confirm timely delivery. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158536815 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | Federal Consumer Protection | Active | B | B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing ARM Disclosure. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158536815 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP300 | HMDA Rate Spread greater than threshold | No | Per Clayton HMDA Test APR is 8.711%, HMDA benchmark rate 5.13%, variance 3.581% exceeds 3.00% trigger. | 9.23.20 - Per Clayton Compliance Department exception is informational and should be satisfied to an EV1. | 9.23.20 - Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158536815 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | Right of Rescission | Active | B | B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing ROR Form | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158536815 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | Right of Rescission | Active | D B | D B | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing ROR Form | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158536816 | XXXXXX | FL | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing ROR Form | 08/27/2020 Client responded. Provided Notice of Right to Cancel. | 08/27/2020 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158536816 | XXXXXX | FL | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | Right of Rescission | Satisfied | D A | D A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing ROR Form | 08/27/2020 Client responded. Provided Notice of Right to Cancel. | 08/27/2020 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158536848 | XXXXXX | FL | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP300 | HMDA Rate Spread greater than threshold | No | Test APR of 8.101% with HMDA Benchmark Rate of 4.830% causing variance of 3.271% which exceeds HMDA Rate spread Trigger of 3.000. | 9.23.20 - Per Clayton Compliance Department exception is informational and should be satisfied to an EV1. | 9.23.20 - Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158536848 | XXXXXX | FL | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | RESPA | Active | B | B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing GFE. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537393 | XXXXXX | MA | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | Documentation | Satisfied | D A | D A | CMPDOC155 | Application Missing | No | Missing Initial Lender Application. | 09/22/2020 Client responded. Provided initial Application. | 09/22/2020 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537393 | XXXXXX | MA | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | Federal Consumer Protection | Active | N/A B | N/A B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | Provided ARM Loan Program Disclosure dated XXX. Application date is XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537393 | XXXXXX | MA | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing ARM Disclosure. | 09/01/2020 Client responded. Provided ARM Loan Program Disclosure dated XXX. | 09/01/2020 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158536880 | XXXXXX | FL | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Active | B | B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing ARM Loan Program Disclosure. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158536880 | XXXXXX | FL | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP300 | HMDA Rate Spread greater than threshold | No | The test APR is 11.080%, the benchmark APR is 4.830% resulting in a difference of 6.250%. This exceeds the max loan rate/bench mark difference of 3.000%. | 9.23.20 - Per Clayton Compliance Department exception is informational and should be satisfied to an EV1. | 9.23.20 - Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158536880 | XXXXXX | FL | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA845 | RESPA - GFE given after 3 days from application | No | Application date XXX, GFE date XXX. | 08/27/2020 Client responded. Application was taken over the phone and then sent to borrower to sign. Application date is XXX. GFE disclosed on XXX. | 08/27/2020 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158536898 | XXXXXX | OK | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Active | B | B | CMPFDCP307 | TILA - Missing TIL at application | No | Missing Lender's TIL at application. | 8.27.20 - Client provided Initial Broker TIL however missing Initial Lender TIL | 8.27.20 - Exception remains | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158536898 | XXXXXX | OK | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP300 | HMDA Rate Spread greater than threshold | No | Test APR is 8.747%, Benchmark rate of 4.690% for a variance of 4.057% exceeding the Rate Spread Trigger of 3.00%. | 9.23.20 - Per Clayton Compliance Department exception is informational and should be satisfied to an EV1. | 9.23.20 - Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158536965 | XXXXXX | FL | (No Data) | ATR/QM: Not Applicable C B | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A C B | Compliance | Federal Consumer Protection | Active | B | B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | ARM Disclosure dated at closing XXX | 9.9.20 - Client Responded. XXX: Appeal. Please see attached ARM disclosure dated XXX9.9.20 - Upon Further Clayton Review. ARM Disclosure provided is dated XXX day of Consummation. Application Date is XXX. Please provide Initial ARM Disclosure dated within 3 days of Application Date. | 9.9.20 - Exception Remains. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158536965 | XXXXXX | FL | (No Data) | ATR/QM: Not Applicable C B | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A C B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP300 | HMDA Rate Spread greater than threshold | No | Per Rate Spread Worksheet; Test Rate is 11.032%, HMDA Benchmark Rate is 4.930% resulting in a variance of 6.102% exceeding HMDA Rate Spread Trigger of 3.00%. | 9.23.20 - Per Clayton Compliance Department exception is informational and should be satisfied to an EV1. | 9.23.20 - Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158536965 | XXXXXX | FL | (No Data) | ATR/QM: Not Applicable C B | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A C B | Compliance | RESPA | Active | B | B | CMPRESPA3016 | RESPA - GFE Not in File | No | Missing copy of GFE. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158536965 | XXXXXX | FL | (No Data) | ATR/QM: Not Applicable C B | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A C B | Compliance | Right of Rescission | Active | C B | C B | CMPROR1911 | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of XXX that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level B condition- Non Material exception. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537495 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower. | 12.16.20 - Client responded. XXX - Borrower signed under date confirming date | 12.16.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537509 | XXXXXX | LA | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | TILA | Active | D B | D B | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | HELOC Early Disclosure Missing | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537603 | XXXXXX | AZ | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | Documentation | Satisfied | D A | D A | CMPDOC1817 | Final HUD-1 is incomplete or illegible | No | Final HUD-1 is incomplete. File contains page 1 only. | 12.11.20 - Client responded. Appeal - XXX: The attached HUD_1 is the final executed and complete copy. | 12.11.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537603 | XXXXXX | AZ | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Disbursement date missing. HUD incomplete. | 12.11.20 - Client responded. Appeal - XXX: Please the attached which indicates disbursement date of XXX. | 12.11.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537603 | XXXXXX | AZ | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | TILA | Active | D B | D B | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | HELOC Early Disclosure Missing. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537655 | XXXXXX | CA | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing HUD-1 | 1.13.21 - Client responded. XXX Appeal: Please see attached Loan Closing Summary showing Funding Date of XXX- DE | 1.13.21 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537655 | XXXXXX | CA | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | TILA | Satisfied | D A | D A | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | Early Disclosure is Missing | 1.12.21 - Client responded. XXX Appeal. Please see attached Disclosure. | Applicable Statute of Limitation has expired. Final grade B, non-material.1.12.21 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537660 | XXXXXX | FL | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | TILA | Satisfied | D A | D A | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | HELOC Early Disclosure Missing | 1.21.21 - Client responded. XXX - HELOC Early Disclosure | Applicable Statute of Limitation has expired. Final grade B, non-material.1.21.21 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537799 | XXXXXX | GA | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrower. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537800 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrowers. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537823 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower, unable to confirm timely delivery. | 12.10.20 - Client Responded - Appeal XXX: Please see the attached TILs, which the borrower acknowledged receiving the on XXX and then signed the document. | 12.10.20 - Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537886 | XXXXXX | IL | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Active | B | B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | ARM Loan Program Disclosure missing | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537886 | XXXXXX | IL | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Funding date missing from HUD1 | 1.19.21 - Client responded. XXX-Appeal: Please find disbursement documentation for this loan which shows that the funds were disbursed on XXX. | 1.19.21 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537925 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower, unable to confirm timely delivery. | 12.10.20 - Client Responded - Appeal XXX: Please see the attached TILs, which the borrower acknowledged receiving the on XXX and then signed the document. | 12.10.20 - Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537943 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower. | 12.16.20 - Client responded. XXX - Date is over borrower signature where borrower confirmed date | 12.16.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158538081 | XXXXXX | NY | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | TILA | Active | D B | D B | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | File is missing HELOC Early Disclosure | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158538095 | XXXXXX | OK | (No Data) | ATR/QM: Not Applicable C B | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A C B | Compliance | Federal Consumer Protection | Active | C B | C B | CMPFDCP312 | TILA - Final TIL Date after actual transaction date | No | Final TIL Date XXX is after actual transaction date. Mortgage Notary date is XXX , not XXX | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158538156 | XXXXXX | DE | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | TILA | Active | C B | C B | CMPTILA3186 | TILA - HELOC Exceeds APR Tolerance >0.125 | No | Due to missing HUD1 | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158538156 | XXXXXX | DE | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | TILA | Active | D B | D B | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | Missing HELOC early disclosure | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158538166 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrowers. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158538342 | XXXXXX | AZ | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158538359 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | TILA | Active | D B | D B | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | File is missing HELOC Early Disclosure | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158538396 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| XXXXXX | 3158538479 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL is not dated by the borrower. | 12.16.20 - Client responded. Appeal XXX: Please see the attached TILs, which the borrower acknowledged receiving the on XXX and then signed the document. | 12.16.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158538489 | XXXXXX | PA | (No Data) | ATR/QM: Not Applicable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| XXXXXX | 3158538633 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| XXXXXX | 3158538669 | XXXXXX | FL | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | TILA | Active | D B | D B | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | File is missing HELOC Early Disclosure | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158538756 | XXXXXX | IL | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Funding date missing from file | 12.10.20 - Client responded. XXX Appeal- Funding was required to be after XXX per ROR. The attached check disbursement back up forms are dated XXX. The Disbursement Request and Auth. form reflects same amounts. See attached. | 12.10.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158538756 | XXXXXX | IL | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | TILA | Satisfied | D A | D A | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | HELOC Early Disclosure Missing | 1.29.21 - Client Responded - XXX - Page 6 reflects customer acknowledged receipt of HELOC Early Disclosure | Applicable Statute of Limitation has expired. Final grade B, non-material.1.29.21 - Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158538860 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by the borrower as required; therefore, unable to confirm timely delivery | 12.10.20 - Client Responded - XXX-Please find the final TIL attached, signed by the borrowers and acknowledging their receipt of same on XXX | 12.10.20 - Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158538860 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing Final HUD with disbursement date | 12.10.20 - Client Responded - XXX-Appeal: Please find the HUD-1 and proof of the disbursement date for this loan attached. | 12.10.20 - Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158538860 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | State Prepayment Penalty | Satisfied | B A | B A | CMPSTPP302 | PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed | No | State law prohibits PPP on L-to-L refinance; provision not disclosed | 1.18.21 - Client responded. XXX Appeal: Loan originated by XXX. Statute cited is not applicable to XXX. | 1.18.21 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158538863 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Funding date missing from file | 1.19.21 - Client responded. XXX-Appeal: Please see page 6 of the attached disbursement documentation which shows that the funding date was the first business day after XXX | 1.19.21 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158538863 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | TILA | Active | C B | C B | CMPTILA3186 | TILA - HELOC Exceeds APR Tolerance >0.125 | No | APR per note of 8.5% | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158538863 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | TILA | Active | D B | D B | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | HELOC Early Disclosure Missing | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158538866 | XXXXXX | IL | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | RESPA | Satisfied | D A | D A | CMPRESPA5413 | RESPA - Missing HUD 1/1A Settlement Statement | No | Final HUD missing and Estimated HUD not in file. | 1.11.21 - Client responded. XXX - HUD-1 | 1.11.21 - Exception satisfied. | Not Applicable | Not Applicable | (No Data) |
| XXXXXX | 3158539018 | XXXXXX | KY | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539044 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by the borrower | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539044 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | RESPA | Satisfied | D A | D A | CMPRESPA5415 | RESPA - HUD-1 Status equals Estimated | No | Only Estimated HUD in file. Missing Final HUD. | 12.18.20 - Client responded. XXX - Signed final HUD-1 | 12.18.20 - Exception satisfied. | Not Applicable | Not Applicable | (No Data) |
| XXXXXX | 3158539044 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | HUD does not disclose disbursement date. No data boarding sheet provided. | 12.18.20 - Client responded. XXX - Data Boarding Sheet | Applicable Statute of Limitation has expired. Final grade B, non-material.12.18.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539095 | XXXXXX | NY | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | Right of Rescission | Active | B | B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Funding date missing | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539095 | XXXXXX | NY | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | TILA | Satisfied | D A | D A | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | HELOC Early Disclosure Missing | 1.29.21 - Client Responded - XXX - Page 5 and 6 customer acknowledged receipt of HELOC Early Disclosure | Applicable Statute of Limitation has expired. Final grade B, non-material.1.29.21 - Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539132 | XXXXXX | IL | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by the borrower. | 12.11.20 - Client responded. XXX Appeal - Form is date above the signature line. TIL was executed according to the format of the disclosure and the date is fully supported by the other closing documents in file. | 12.11.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539180 | XXXXXX | TX | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by the borrower as required; therefore, unable to confirm timely delivery. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539180 | XXXXXX | TX | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing the Final HUD with disbursement date | 12.23.20 - Client responded. Appeal XXX: Please see the attached which includes the disbursement checks confirming a disbursement date of XXX, one day after the rescission date of XXX. | 12.23.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539232 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrower. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539232 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | RESPA | Satisfied | D A | D A | CMPRESPA5415 | RESPA - HUD-1 Status equals Estimated | No | Only estimated HUD in file and not Final. | 1.5.21 - Client responded. XXX-Appeal: Please find the final HUD-1 for this loan attached, signed and dated the same as the Note. | 1.5.21 - Exception satisfied. | Not Applicable | Not Applicable | (No Data) |
| XXXXXX | 3158539232 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | Right of Rescission | Satisfied | A | A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | File is missing the final HUD, estimated HUD used to determine fees and points and perform compliance testing | 1.5.21 - Client responded. HUD was provided and Disbursement date XXX. | 1.5.21 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539258 | XXXXXX | IL | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539346 | XXXXXX | AZ | (No Data) | ATR/QM: Not Applicable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| XXXXXX | 3158539375 | XXXXXX | KS | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrower. Unable to confirm timely delivery. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539406 | XXXXXX | AZ | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539459 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | Right of Rescission | Active | B | B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing final TIL. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539459 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | TILA | Active | D B | D B | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | Missing copy of HELOC Early Disclosure | 1.18.21 - Client responded. XXX - Client responded. XXX: Early TIL only required on Home Equity installment loans after XXX.XXX - Clayton has reviewed and this has nothing to do with the Initial TIL. Per Clayton Compliance Department; This is an early disclosure requirement that is specific to HELOC's and has existed for many years in Reg XXX originally and now in XXX (b) Time of Disclosures. The disclosure and brochure required by paragraphs (d) and (e) of this section shall be provided at the time an application is provided to the consumer. Our internal white paper detailing requirements dates back to XXX but the provision was already in effect. | Applicable Statute of Limitation has expired. Final grade B, non-material.XXX - Exception remains. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539465 | XXXXXX | IA | (No Data) | ATR/QM: Not Applicable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| XXXXXX | 3158539485 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand signed by borrower. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539577 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrower | 12.10.20 - Client responded. Appeal XXX: Please see the attached TILs, which the borrower acknowledged receiving the on XXX and then signed the document. | 12.10.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539660 | XXXXXX | CA | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing funding date. | 12.30.30 - Client responded. XXX-Appeal: Please find the Loan Closing Summary and disbursement checks attached which document the disbursement date as XXX. | 12.30.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539660 | XXXXXX | CA | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | TILA | Satisfied | D A | D A | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | HELOC Early Disclosure Missing delivered within 3 days of initial app date | 12.30.20 - Client responded. XXX-Appeal: Please find documentation attached showing that the HELOC disclosure was provided to the borrower on XXX, the same day as the application date. | Applicable Statute of Limitation has expired. Final grade B, non-material.XXX - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539661 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by the borrower as required; therefore, unable to confirm timely delivery. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539661 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | State Prepayment Penalty | Satisfied | B A | B A | CMPSTPP302 | PPP - State law prohibits PPP on L-to-L refinance; provison not disclosed | No | State law prohibits PPP on L-to-L refinance; provision not disclosed | 12.23.20 Client responded. XXX - XXX was a XXX and exempt from the statute | 12.23.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539792 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539810 | XXXXXX | FL | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | Federal Consumer Protection | Active | B | B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | File is missing ARM Loan Program Disclosure dated within 3 days after application. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539810 | XXXXXX | FL | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | TILA | Active | D B | D B | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | File is missing HELOC Early Disclosure dated within 3 days of application. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539958 | XXXXXX | TX | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing Final HUD 1 OR 1A settlement disclosure | 12.28.20 - Client responded. "XXXX - Loan is a HELOC. A Disbursement Instructions and Installment Loan Amount Financed Itemization TIL Disclosure is used in place of a HUD-1. See attached | 12.28.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158539958 | XXXXXX | TX | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | TILA | Satisfied | D A | D A | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | File is missing the HELOC Early Disclosure | 12.28.20 - Client responded. - XXX Heloc Early Disclosure | Applicable Statute of Limitation has expired. Final grade B, non-material.12.28.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158540055 | XXXXXX | IN | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158540147 | XXXXXX | IN | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158540147 | XXXXXX | IN | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Right of Rescission | Active | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of XXX that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level B condition. This is a non-material violation. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158540201 | XXXXXX | LA | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | TILA | Satisfied | D A | D A | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | HELOC Early Disclosure Missing | 12.31.20 - Client responded. Appeal - XXX: Please see the attached copy of the HELOC Early Disclosure. | Applicable Statute of Limitation has expired. Final grade B, non-material.XXX - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158540338 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158540347 | XXXXXX | LA | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by the borrower as required; therefore, unable to confirm timely delivery | 12.10.20 - Client responded. Appeal XXX: Please see the attached TILs, which the borrower acknowledged receiving the on XXX and then signed the document. | 12.10.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158540347 | XXXXXX | LA | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Unable to determine when funds were disbursed to determine if it was after rescission period. | 12.10.20 - Client responded. Appeal - XXX: Please see the attached checks which indicates funds were disbursed on XXX; each amount matching the amount on the attached Final HUD-1. Mortgage in file recorded XXX. | 12.10.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158540513 | XXXXXX | IL | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158540618 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | TILA | Active | D B | D B | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | Missing HELOC Early Disclosure. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158540690 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | TILA | Active | D B | D B | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | Missing HELOC Early Disclosure. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158540706 | XXXXXX | CA | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | RESPA | Satisfied | D A | D A | CMPRESPA5413 | RESPA - Missing HUD 1/1A Settlement Statement | No | HUD1 missing from file | 12.28.20 - Client responded. XXX - Loan is a HELOC. A Disbursement Instructions and Installment Loan Amount Financed Itemization TIL Disclosure is used in place of a HUD-1. See attached | 12.28.20 - Exception satisfied. | Not Applicable | Not Applicable | (No Data) |
| XXXXXX | 3158540706 | XXXXXX | CA | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Funding date missing from form | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158540706 | XXXXXX | CA | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | TILA | Satisfied | D A | D A | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | HELOC Early Disclosure Missing | 1.8.21 - Client responded. XXX - Appeal: Attached is a copy of the HELOC Early Disclosure dated XXX | Applicable Statute of Limitation has expired. Final grade B, non-material.1.8.21 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158540745 | XXXXXX | MO | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158540745 | XXXXXX | MO | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | RESPA | Satisfied | D A | D A | CMPRESPA5415 | RESPA - HUD-1 Status equals Estimated | No | Estimated HUD used for fee testing as Final HUD missing from file. | 1.6.21 - Client responded. XXX Final HUD-1 | 1.6.21 - Exception satisfied. | Not Applicable | Not Applicable | (No Data) |
| XXXXXX | 3158540745 | XXXXXX | MO | (No Data) | ATR/QM: Not Applicable D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | Compliance | Right of Rescission | Active | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of XXX that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2 condition. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158540771 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrower. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158540789 | XXXXXX | KY | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by the borrower as required; therefore, unable to confirm timely delivery | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158540834 | XXXXXX | CA | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | RESPA | Satisfied | D A | D A | CMPRESPA5413 | RESPA - Missing HUD 1/1A Settlement Statement | No | HUD 1 missing from file | 12.10.20 - Client Responded - XXX - Loan is a Home Equity Line where a HUD-1 is not provided instead a Disbursement Instructions and Installment Loan Amount Financed Itemization TIL Disclosure is used | 12.10.20 - Exception Satisfied. | Not Applicable | Not Applicable | (No Data) |
| XXXXXX | 3158540834 | XXXXXX | CA | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Funding date missing from file | 12.10.20 - Client Responded - XXX - Underwriter summary comments reflect funding date as XXX | 12.10.20 - Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158540834 | XXXXXX | CA | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | TILA | Satisfied | D A | D A | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | HELOC Early Disclosure Missing | 12.28.20 - Client responded. Appeal - XXX: Please see the attached which indicates the HELOC Early Disclosure (Important Terms of Our HELOC) was provided to the borrower on XXX | Applicable Statute of Limitation has expired. Final grade B, non-material.12.28.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158540836 | XXXXXX | AZ | (No Data) | ATR/QM: Not Applicable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| XXXXXX | 3158537174 | XXXXXX | FL | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | RESPA | Satisfied | D A | D A | CMPRESPA855 | RESPA - Missing HUD 1/1A Settlement Statement | No | HUD-1 is illegible. | 09/15/2020 Client responded. Provided Final HUD-1 | 09/15/2020 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158541034 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrower. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158541049 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrower. | 12.11.20 - Client responded. "XXX Appeal- Form is dated and executed according to the format of the disclosure and the date is fully supported by the other closing documents in file. See attached. | 12.11.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158541223 | XXXXXX | CA | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | TILA | Satisfied | D A | D A | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | Missing the Early Disclosure | 1.13.21 - Client responded. XXX: Appeal Please see attached Heloc disclosure issue XXX. Initial disclosure does not have to be signed by the borrowers. | Applicable Statute of Limitation has expired. Final grade B, non-material.1.13.21 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158541289 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrowers. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158541289 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Cannot determine if funding date is after rescission period | 12.31.20 - Client responded. Appeal - XXX: Please see the attached disbursement checks dated XXX | 12.31.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158541307 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | TIL not hand dated by borrower. | 12.10.20 - Upon Further Clayton Review - Appeal XXX: Please see the attached TILs, which the borrower acknowledged receiving the on XXX and then signed the document. | 12.10.20 - Exception Satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158541317 | XXXXXX | WV | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | TILA | Satisfied | D A | D A | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | HELOC Early Disclosure Missing. | 1.11.21 - Client responded. Appeal - Please see the highlighted item on page 6 in the document provided. 1.11.21 - The document provided and dated XXX which is date of closing and the highlighted part talks about cancellation. This is not the HELOC early Disclosure. 1.20.21 - Client responded. XXX - Bottom of page 9 of the agreement reflects the early disclosure which the borrower acknowledged receiving | Applicable Statute of Limitation has expired. Final grade B, non-material.1.11.21 - Exception remains. 1.20.21 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158541375 | XXXXXX | MS | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrower. | 12.11.20 - Client responded. "XXX Appeal- Form is dated and executed according to the format of the disclosure and the date is fully supported by the other closing documents in file. See attached. | 12.11.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158541440 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrowers. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158541537 | XXXXXX | KY | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Funding date missing from HUD | 12.28.20 - Client responded. XXX-Appeal: Please find attached documentation verifying the loan was funded on XXX. | 12.28.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158541554 | XXXXXX | PA | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | HUD does not disclose disbursement date. No boarding sheet provided. | 1.20.21 - Client responded. Appeal - XXX: Attached is a copy of the disbursement check reflecting a disbursement date of XXX. | 1.20.21 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158541719 | XXXXXX | IL | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrowers. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158541794 | XXXXXX | IL | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrower. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158541804 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrower. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158541806 | XXXXXX | AZ | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by the borrower as required; therefore, unable to confirm timely delivery | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158541806 | XXXXXX | AZ | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Cannot determine if funding date is after rescission period | 1.20.21 - Client responding. Appeal - XXX: Please see the attached disbursement checks which reflects a disbursement date of XXX. The rescission period ended XXX | 1.20.21 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158541813 | XXXXXX | IL | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrowers. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158541955 | XXXXXX | TX | (No Data) | ATR/QM: Not Applicable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| XXXXXX | 3158541973 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Active | B | B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | ARM Loan Program Disclosure missing. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158541973 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrowers. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158542002 | XXXXXX | TX | (No Data) | ATR/QM: Not Applicable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| XXXXXX | 3158542061 | XXXXXX | AZ | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by the borrower. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158542061 | XXXXXX | AZ | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Right of Rescission | Active | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of XXX that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level B condition. This is a non-material violation. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158542064 | XXXXXX | IL | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Active | B | B | CMPFDCP307 | TILA - Missing TIL at application | No | Missing Initial TIL. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158542088 | XXXXXX | IN | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL is not hand dated. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158542088 | XXXXXX | IN | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | File does not disclose the disbursement date. | 1.20.21 - Client responded. Appeal - XXX: Please see the attached which reflect a disbursement date of XXX. The rescission period ended on XXX. | 1.20.21 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158542144 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not dated by borrower. Unable to confirm timely delivery. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158542197 | XXXXXX | IL | (No Data) | ATR/QM: Not Applicable C B | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A C B | Compliance | Federal Consumer Protection | Active | C B | C B | CMPFDCP312 | TILA - Final TIL Date after actual transaction date | No | Final TIL dated XXX. Mortgage notary date XXX. Final TIL dated after transaction (notary) date. | (No Data) | Applicable Statute of Limitation has expired. Final grade B, non-material. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158542197 | XXXXXX | IL | (No Data) | ATR/QM: Not Applicable C B | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A C B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158542197 | XXXXXX | IL | (No Data) | ATR/QM: Not Applicable C B | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A C B | Compliance | Right of Rescission | Active | B | B | CMPROR2043 | Cannot determine if funding date is after rescission period | No | HUD does not disclose a disbursement date. No boarding sheet provided. | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158542213 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL not hand dated by borrower. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158542232 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| XXXXXX | 3158542339 | XXXXXX | MI | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | Final TIL is not hand dated | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158542399 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| XXXXXX | 3158542488 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Funding Date missing | 1.13.21 - Client responded. XXX-Appeal: Please find the disbursement documentation attached which shows the disbursement date as XXX | 1.13.21 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158542490 | XXXXXX | AZ | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP314 | TILA - Final TIL not dated, unable to confirm timely delivery | No | TIL is not dated by borrowers. | 12.17.20 - Upon further Clayton review doc in file confirms received date by borrower. | 12.17.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158542510 | XXXXXX | OH | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Funding date missing from file | 1.5.21 - Client responded. XXX-Appeal: Please find the boarding data sheet for this loan attached which shows the disbursement date was XXX. | 1.5.21 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158542540 | XXXXXX | CA | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | Right of Rescission | Satisfied | B A | B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing HUD-1 | 12.23.20 - Client responded. Appeal - XXX: Please see page 19 of the attached Comment Summary which indicates the loan funded on XXX. Also attached to the Comment Summary are copies of the disbursement checks dated XXX. | 12.23.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158542540 | XXXXXX | CA | (No Data) | ATR/QM: Not Applicable D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | Compliance | TILA | Satisfied | D A | D A | CMPTILA3192 | TILA - HELOC Early Disclosure Missing or Incomplete | No | HELOC Early Disclosure is missing | 12.23.20 - Client responded. Appeal - XXX: Please see the attached Initial Disclosure Letter dated XXX and Important Terms of Our HELOC. XXX - Clayton has reviewed and this is not the correct document and is a closing document not initial. 12.31.20 - Client responded. Appeal - XXX Attached is a copy of the HELOC Early Disclosure. | Applicable Statute of Limitation has expired. Final grade B, non-material.12.23.20 - Exception remains. 12.31.20 - Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537042 | XXXXXX | IN | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Active | B | B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | ARM Loan Program Disclosure executed XXX. Missing ARM disclosure dated within 3 days from application XXX | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) |
| XXXXXX | 3158537042 | XXXXXX | IN | (No Data) | ATR/QM: Not Applicable B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | Compliance | Federal Consumer Protection | Satisfied | B A | B A | CMPFDCP300 | HMDA Rate Spread greater than threshold | No | The test APR is 9.744%, the benchmark APR is 4.470% which results in a difference of 5.274% which exceeds the maximum allowed of 3.00%. | 9.23.20 - Per Clayton Compliance Department exception is informational and should be satisfied to an EV1. | 9.23.20 - Exception Satisfied. | (No Data) | Not Applicable | (No Data) |

---

## Exhibit 99.2

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

 **Exhibit 99.2 - Schedule 3**

---

| | |
|:---|:---|
| **Client Name:** | JP Morgan Chase Bank, NA |
| **Client Project Name:** | JPMC-Chase-2025-RPL1_J15960_T51_Title |
| **Start - End Dates:** | 8/10/2020 - 10/24/2020 |
| **Deal Loan Count:** | 101 |
| Report Run Date: | 7/10/2025 10:05 AM |
| **Exception Detail Loan Level** |  |
| Loans in Report | 101 |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Borrower Name** | **Original Balance** | **State** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Valuation Comments** | **General Comments** | **Loan Status** | **Sample Group** |
| XXXX | 3158537264 | XXXX | XXXX | NY A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158537322 | XXXX | XXXX | TX A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158536815 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158536816 | XXXX | XXXX | FL A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158536848 | XXXX | XXXX | FL A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158537393 | XXXX | XXXX | MA | (No Data) | (No Data) | XXXX: Legal Documents: Missing Assignment<br> - Initial XXXX Comments: Missing Assignment from XXXX to XXXX<br> - Client/Seller Response Comments: XX/XX/XX An assignment from XXXX to XXXX. is not needed. The loan was never sold to XXXX, neither for servicing rights or investor rights. The chain is complete as it stands XX/XX/XX Provided merger docs for XXXX<br> - XXXX Conclusion Comments: XX/XX/XX XX - XXXX agrees. The assignment recorded XXXX was from non lien holders. Exception Satisfied.XX/XX/XX XX - Client did not provide assignment from XXXX XXXX to XXXX Exception Stands. | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158536880 | XXXX | XXXX | FL A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158536898 | XXXX | XXXX | OK A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158536965 | XXXX | XXXX | FL A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158537495 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158537509 | XXXX | XXXX | LA | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158537603 | XXXX | XXXX | AZ | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158537655 | XXXX | XXXX | CA | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158537660 | XXXX | XXXX | FL A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158537799 | XXXX | XXXX | GA | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158537800 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158537823 | XXXX | XXXX | MI A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158537886 | XXXX | XXXX | IL A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158537925 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158537943 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158538081 | XXXX | XXXX | NY A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158538095 | XXXX | XXXX | OK A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158538156 | XXXX | XXXX | DE A | (No Data) | (No Data) | XXXX: Title: Issues found with taxes and/or assessments<br> - Initial XXXX Comments: DELINQUENT TAXES - Title Search XXXX Utility Tax Delinquent as of XX/XX/XXXX for $XXXX<br> - XXXX Conclusion Comments: XX/XX/XXXX XX- Spoke to XXXX with XXXX Water utilities at XXXX; Utilities are current as of XX/XX/XXXX. Exception Satisfied. | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158538166 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158538342 | XXXX | XXXX | AZ | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158538359 | XXXX | XXXX | MI A | (No Data) | (No Data) | XXXX: Title: Issues found with taxes and/or assessments<br> - Initial XXXX Comments: DELINQUENT TAXES - Title Search XXXX Combined Tax Delinquent as of XX/XX/XXXX for $XXXX<br> - XXXX Conclusion Comments: XX/XX/XX XX - Spoke with XXXX at XXXX County Treasurer Office at XXXX. XXXX stated there are no delinquent taxes. Exception Satisfied. | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158538396 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158538479 | XXXX | XXXX | MI A | (No Data) | (No Data) | XXXX: Title: Issues found with taxes and/or assessments<br> - Initial XXXX Comments: TAXES NOT AVAILABLE ONLINE<br> - XXXX Conclusion Comments: XX/XX/XX XX - XXXX's research on the XXXX County Tax Collector website shows taxes are current. Exception Satisfied. | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158538489 | XXXX | XXXX | PA | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158538633 | XXXX | XXXX | MI A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158538669 | XXXX | XXXX | FL A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158538756 | XXXX | XXXX | IL A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158538860 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158538863 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158538866 | XXXX | XXXX | IL A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158539018 | XXXX | XXXX | KY A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158539044 | XXXX | XXXX | MI A | (No Data) | (No Data) | XXXX: Title: Issues found with taxes and/or assessments<br> - Initial XXXX Comments: DELINQUENT TAXES - Title Search XXXX County Tax Delinquent as of not stated for XXXX<br> - XXXX Conclusion Comments: XX/XX/XX XX - XXXX's research on the XXXX County Tax Collector's website found no delinquent taxes. Exception Satisfied | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158539095 | XXXX | XXXX | NY A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158539132 | XXXX | XXXX | IL A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158539180 | XXXX | XXXX | TX A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158539232 | XXXX | XXXX | MI A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158539258 | XXXX | XXXX | IL A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158539346 | XXXX | XXXX | AZ | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158539375 | XXXX | XXXX | KS A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158539406 | XXXX | XXXX | AZ | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158539459 | XXXX | XXXX | MI A | (No Data) | (No Data) | XXXX: Title: Issues found with taxes and/or assessments<br> - Initial XXXX Comments: DELINQUENT TAXES - Title Search XXXX County Tax Delinquent as of XX/XX/XX for $XXXX<br> - XXXX Conclusion Comments: XX/XX/XX XX - XXXX's research spoke with XXXX at theXXXX County Tax Assessors office.XXXX verified that all prior taxes have been paid as of XX/XX/XX. Exception Satisfied. | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158539465 | XXXX | XXXX | IA | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158539485 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158539577 | XXXX | XXXX | MI A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158539660 | XXXX | XXXX | CA | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158539661 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158539792 | XXXX | XXXX | MI A | (No Data) | (No Data) | XXXX: Title: Issues found with taxes and/or assessments<br> - Initial XXXX Comments: DELINQUENT TAXES - Title Search XXXX Combined Tax Delinquent as of not stated for XXXX<br> - XXXX Conclusion Comments: XX/XX/XX XX - XXXX's research on the Wayne County Tax Collector's website found no delinquent taxes. Exception Satisfied | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158539810 | XXXX | XXXX | FL A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158539958 | XXXX | XXXX | TX A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158540055 | XXXX | XXXX | IN A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158540147 | XXXX | XXXX | IN A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158540201 | XXXX | XXXX | LA | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Prior Mortgage OUT by BK Discharge- Case XXXX signed by judge XXXX. Only remaining debt is subject mortgage. | Complete | Non-Issue |
| XXXX | 3158540338 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158540347 | XXXX | XXXX | LA | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158540513 | XXXX | XXXX | IL A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158540618 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158540690 | XXXX | XXXX | MI A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158540706 | XXXX | XXXX | CA | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158540745 | XXXX | XXXX | MO A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158540771 | XXXX | XXXX | MI A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158540789 | XXXX | XXXX | KY A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158540834 | XXXX | XXXX | CA | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158540836 | XXXX | XXXX | AZ | (No Data) | (No Data) | XXXX: Title: Issues found with taxes and/or assessments<br> - Initial XXXX Comments: TAXES NOT AVAILABLE ONLINE<br> - Client/Seller Response Comments: XX/XX/XX Taxes Received<br> - XXXX Conclusion Comments: XX/XX/XX XX - Taxes received and are current. Exception Satisfied.XX/XX/XX XX - Called the XXXX, AZ County Tax Collector's Office at XXXX. Contact Unresponsive. Exception Stands. | (No Data) | (No Data) | (No Data) | Non Issue | Complete | Non-Issue |
| XXXX | 3158537174 | XXXX | XXXX | FL A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158541034 | XXXX | XXXX | MI A | (No Data) | (No Data) | XXXX: Title: Lien position is not XX, as required by guidelines<br> - Initial XXXX Comments: SUBJECT MORTGAGE NOT in XX LIEN POSITION SUBJECT MORTGAGE RELEASED Satisfaction of Mortgage dated XX/XX/XXXX recorded on XX/XX/XXXX Instrument No. XXXX Book XXXX page XXXX<br> - Client/Seller Response Comments: XX/XX/XX Client requested re-look at release.<br> - XXXX Conclusion Comments: XX/XX/XX XX - XXXX Agrees, Release provided special clause deeming said release for prior recording instruments only. Exception Satisfied. XX/XX/XX XX - XXXX's research did not locate a rescission of record of the subject mortgage release on the XXXX County Clerk's website. Exception Stands. | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158541049 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158541223 | XXXX | XXXX | CA | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158541289 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158541307 | XXXX | XXXX | MI A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158541317 | XXXX | XXXX | WV A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158541375 | XXXX | XXXX | MS A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158541440 | XXXX | XXXX | MI A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158541537 | XXXX | XXXX | KY A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158541554 | XXXX | XXXX | PA | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158541719 | XXXX | XXXX | IL A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158541794 | XXXX | XXXX | IL A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158541804 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158541806 | XXXX | XXXX | AZ | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158541813 | XXXX | XXXX | IL A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158541955 | XXXX | XXXX | TX A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158541973 | XXXX | XXXX | MI A | (No Data) | (No Data) | XXXX: Title: Issues found with taxes and/or assessments<br> - Initial XXXX Comments: DELINQUENT TAXES - Title Search XXXX County Tax Delinquent as of XX/XX/XX for XXXX<br> - XXXX Conclusion Comments: XX/XX/XX XX - Spoke with XXXX at XXXX County Treasurer Office at XXXX. XXXX stated there are no delinquent taxes. Exception Satisfied. | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158542002 | XXXX | XXXX | TX A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158542061 | XXXX | XXXX | AZ | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower Name: <br> XXXX Living Trust Dated XXXX | Complete | Non-Issue |
| XXXX | 3158542064 | XXXX | XXXX | IL A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158542088 | XXXX | XXXX | IN A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158542144 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158542197 | XXXX | XXXX | IL A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158542213 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158542232 | XXXX | XXXX | MI A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158542339 | XXXX | XXXX | MI A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158542399 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158542488 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158542490 | XXXX | XXXX | AZ | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |
| XXXX | 3158542510 | XXXX | XXXX | OH A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158542540 | XXXX | XXXX | CA | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Complete | Non-Issue |
| XXXX | 3158537042 | XXXX | XXXX | IN A | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Client Complete | CLEAN |

---

---

| | |
|:---|:---|
| **Client Name:** | **JP Morgan Chase Bank, NA** |
| **Client Project Name:** | **JPMC-Chase-2025-RPL1_J15960_T51_Title** |
| **Start - End Dates:** | **8/10/2020 - 10/24/2020** |
| **Deal Loan Count:** | **101** |
| Report Run Date: | 7/10/2025 10:07 AM |
| **Exception Detail** |  |
| Loans in Report: | 10 |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  |  |  |  |  |  |  |  | Client Exception Break - Out of Counts and Costs | Client Exception Break - Out of Counts and Costs | Client Exception Break - Out of Counts and Costs | Client Exception Break - Out of Counts and Costs |  |  |  |  |  |
| **Loan Number** | **Alt Loan Number** | **Borrower Last Name** | **Loan Level ATR/QM Status** | **Final Overall Loan Grade** | **Exception Category** | **Exception Sub-Category** | **Exception Code** | **Final Exception Status** | **Final Exception Grade** | **Exception Description** | **Initial Clayton Exception Comments** | **Exception Type** | **Exception ID** | **Exception Count** | **Amount Totals** | **Client Exception Response** | **Clayton Exception Conclusion Comments** | **Initial Exception Grade** | **Loan Status** | **Sample Group** |
| XXXX | 3158537393 | XXXX | ATR/QM: Not Applicable | A | Credit | Legal Documents | CRDLGL3960 | Satisfied | A | Missing Assignment | Missing Assignment from XXXX to XXXX. | N/A | N/A | N/A | N/A | XX/XX/XXXX An assignment from XXXX. is not needed. The loan was never sold to XXXX, neither for servicing rights or investor rights. The chain is complete as it stands XX/XX/XXXX Provided merger docs for XXXX | XX/XX/XX XX - XXXX agrees. The assignment recorded XXXX was from non lien holders. Exception Satisfied.XX/XX/XX XX - Client did not provide assignment from XXXX or Successor to XXXX. Exception Stands. | D | Complete | Non-Issue |
| XXXX | 3158538156 | XXXX | ATR/QM: Not Applicable | A | Credit | Title | CRDTIL4234 | Satisfied | A | Issues found with taxes and/or assessments | DELINQUENT TAXES - Title Search<br> XXXX Utility Tax Delinquent as of XX/XX/XXXX for $XXXX | N/A | N/A | N/A | N/A | (No Data) | XX/XX/XX XX- Spoke to XXXX with XXXX at XXXX; Utilities are current as of XX/XX/XXXX. Exception Satisfied. | C | Complete | Non-Issue |
| XXXX | 3158538359 | XXXX | ATR/QM: Not Applicable | A | Credit | Title | CRDTIL4234 | Satisfied | A | Issues found with taxes and/or assessments | DELINQUENT TAXES - Title Search<br> XXXX Combined Tax Delinquent as of XX/XX/XXXX for $XXXX | N/A | N/A | N/A | N/A | (No Data) | XX/XX/XX XX - Spoke with XXXX County Treasurer Office at XXXX. He stated there are no delinquent taxes. Exception Satisfied. | C | Complete | Non-Issue |
| XXXX | 3158538479 | XXXX | ATR/QM: Not Applicable | A | Credit | Title | CRDTIL4234 | Satisfied | A | Issues found with taxes and/or assessments | TAXES NOT AVAILABLE ONLINE | N/A | N/A | N/A | N/A | (No Data) | XX/XX/XX XX - XXXX's research on the XXXXCounty Tax Collector website shows taxes are current. Exception Satisfied. | C | Complete | Non-Issue |
| XXXX | 3158539044 | XXXX | ATR/QM: Not Applicable | A | Credit | Title | CRDTIL4234 | Satisfied | A | Issues found with taxes and/or assessments | DELINQUENT TAXES - Title Search<br> XXXX County Tax Delinquent as of not stated for XXXX | N/A | N/A | N/A | N/A | (No Data) | XX/XX/XX XX - XXXX's research on the XXXXCounty Tax Collector's website found no delinquent taxes. Exception Satisfied | C | Complete | Non-Issue |
| XXXX | 3158539459 | XXXX | ATR/QM: Not Applicable | A | Credit | Title | CRDTIL4234 | Satisfied | A | Issues found with taxes and/or assessments | DELINQUENT TAXES - Title Search<br> XXXX County Tax Delinquent as of XX/XX/XXXX for $XXXX | N/A | N/A | N/A | N/A | (No Data) | XX/XX/XX XX - XXXX's research spoke with XXXX at the XXXX County Tax Assessors office. XXXX verified that all prior taxes have been paid as of XX/XX/XXXX. Exception Satisfied. | C | Complete | Non-Issue |
| XXXX | 3158539792 | XXXX | ATR/QM: Not Applicable | A | Credit | Title | CRDTIL4234 | Satisfied | A | Issues found with taxes and/or assessments | DELINQUENT TAXES - Title Search<br> XXXX Combined Tax Delinquent as of not stated for XXXX | N/A | N/A | N/A | N/A | (No Data) | XX/XX/XX XX - XXXX's research on the XXXX County Tax Collector's website found no delinquent taxes. Exception Satisfied | C | Complete | Non-Issue |
| XXXX | 3158540836 | XXXX | ATR/QM: Not Applicable | A | Credit | Title | CRDTIL4234 | Satisfied | A | Issues found with taxes and/or assessments | TAXES NOT AVAILABLE ONLINE | N/A | N/A | N/A | N/A | XX/XX/XX Taxes Received | XX/XX/XX XX - Taxes received and are current. Exception Satisfied.XX/XX/XX XX - Called the XXXX, AZ County Tax Collector's Office at XXXX. Contact Unresponsive. Exception Stands. | C | Complete | Non-Issue |
| XXXX | 3158541034 | XXXX | ATR/QM: Not Applicable | A | Credit | Title | CRDTIL4232 | Satisfied | A | Lien position is not 1, as required by guidelines | SUBJECT MORTGAGE NOT in XXXXLIEN POSITION <br> SUBJECT MORTGAGE RELEASED<br>Satisfaction of Mortgage dated XX/XX/XXXX recorded on XX/XX/XXXX Instrument No. XXXX Book XXXX page XXXX | N/A | N/A | N/A | N/A | XX/XX/XX Client requested re-look at release. | XX/XX/XX XX - XXXX Agrees, Release provided special clause deeming said release for prior recording instruments only. Exception Satisfied. XX/XX/XX XX - XXXX's research did not locate a rescission of record of the subject mortgage release on the XXXX County Clerk's website. Exception Stands. | C | Complete | Non-Issue |
| XXXX | 3158541973 | XXXX | ATR/QM: Not Applicable | A | Credit | Title | CRDTIL4234 | Satisfied | A | Issues found with taxes and/or assessments | DELINQUENT TAXES - Title Search<br> XXXX County Tax Delinquent as ofXX/XX/XXXX for $XXXX | N/A | N/A | N/A | N/A | (No Data) | XX/XX/XX XX - Spoke with XXXX County Treasurer Office at XXXX. He stated there are no delinquent taxes. Exception Satisfied. | C | Complete | Non-Issue |

---

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

## Exhibit 99.2

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

 **Exhibit 99.2 - Schedule 4**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Credit Grade** | **Final Securitization Loan Credit Grade** | **Initial Securitization Loan Property Valuation Grade** | **Final Securitization Loan Property Valuations Grade** | **Initial S&P Loan Credit Grade** | **Final S&P Loan Credit Grade** | **Initial S&P Loan Property Valuation Grade** | **Final S&P Loan Property Valuations Grade** | **Did Lender Acknowledge Exception at Origination** |
| XXXXXX | 3158537264 | Pre-TRID | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | (No Data) |
| XXXXXX | 3158537322 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158536815 | Pre-TRID | XXXXXX | XXXXXX D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | (No Data) |
| XXXXXX | 3158536816 | Pre-TRID | XXXXXX | XXXXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | (No Data) |
| XXXXXX | 3158536848 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158537393 | Pre-TRID | XXXXXX | XXXXXX D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | (No Data) |
| XXXXXX | 3158536880 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158536898 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158536965 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A C B | (No Data) |
| XXXXXX | 3158537495 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158537509 | Pre-TRID | XXXXXX | XXXXXX D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | (No Data) |
| XXXXXX | 3158537603 | Pre-TRID | XXXXXX | XXXXXX D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | (No Data) |
| XXXXXX | 3158537655 | Pre-TRID | XXXXXX | XXXXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | (No Data) |
| XXXXXX | 3158537660 | Pre-TRID | XXXXXX | XXXXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | (No Data) |
| XXXXXX | 3158537799 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158537800 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158537823 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158537886 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158537925 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158537943 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158538081 | Pre-TRID | XXXXXX | XXXXXX D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | (No Data) |
| XXXXXX | 3158538095 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A C B | (No Data) |
| XXXXXX | 3158538156 | Pre-TRID | XXXXXX | XXXXXX D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | (No Data) |
| XXXXXX | 3158538166 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158538342 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158538359 | Pre-TRID | XXXXXX | XXXXXX D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | (No Data) |
| XXXXXX | 3158538396 | Pre-TRID | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | (No Data) |
| XXXXXX | 3158538479 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158538489 | Pre-TRID | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | (No Data) |
| XXXXXX | 3158538633 | Pre-TRID | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | (No Data) |
| XXXXXX | 3158538669 | Pre-TRID | XXXXXX | XXXXXX D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | (No Data) |
| XXXXXX | 3158538756 | Pre-TRID | XXXXXX | XXXXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | (No Data) |
| XXXXXX | 3158538860 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158538863 | Pre-TRID | XXXXXX | XXXXXX D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | (No Data) |
| XXXXXX | 3158538866 | Pre-TRID | XXXXXX | XXXXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | (No Data) |
| XXXXXX | 3158539018 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158539044 | Pre-TRID | XXXXXX | XXXXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | (No Data) |
| XXXXXX | 3158539095 | Pre-TRID | XXXXXX | XXXXXX D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | (No Data) |
| XXXXXX | 3158539132 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158539180 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158539232 | Pre-TRID | XXXXXX | XXXXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | (No Data) |
| XXXXXX | 3158539258 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158539346 | Pre-TRID | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | (No Data) |
| XXXXXX | 3158539375 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158539406 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158539459 | Pre-TRID | XXXXXX | XXXXXX D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | (No Data) |
| XXXXXX | 3158539465 | Pre-TRID | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | (No Data) |
| XXXXXX | 3158539485 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158539577 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158539660 | Pre-TRID | XXXXXX | XXXXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | (No Data) |
| XXXXXX | 3158539661 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158539792 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158539810 | Pre-TRID | XXXXXX | XXXXXX D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | (No Data) |
| XXXXXX | 3158539958 | Pre-TRID | XXXXXX | XXXXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | (No Data) |
| XXXXXX | 3158540055 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158540147 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158540201 | Pre-TRID | XXXXXX | XXXXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | (No Data) |
| XXXXXX | 3158540338 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158540347 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158540513 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158540618 | Pre-TRID | XXXXXX | XXXXXX D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | (No Data) |
| XXXXXX | 3158540690 | Pre-TRID | XXXXXX | XXXXXX D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | (No Data) |
| XXXXXX | 3158540706 | Pre-TRID | XXXXXX | XXXXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | (No Data) |
| XXXXXX | 3158540745 | Pre-TRID | XXXXXX | XXXXXX D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A D B | (No Data) |
| XXXXXX | 3158540771 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158540789 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158540834 | Pre-TRID | XXXXXX | XXXXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | (No Data) |
| XXXXXX | 3158540836 | Pre-TRID | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | (No Data) |
| XXXXXX | 3158537174 | Pre-TRID | XXXXXX | XXXXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | (No Data) |
| XXXXXX | 3158541034 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158541049 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158541223 | Pre-TRID | XXXXXX | XXXXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | (No Data) |
| XXXXXX | 3158541289 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158541307 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158541317 | Pre-TRID | XXXXXX | XXXXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | (No Data) |
| XXXXXX | 3158541375 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158541440 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158541537 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158541554 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158541719 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158541794 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158541804 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158541806 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158541813 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158541955 | Pre-TRID | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | (No Data) |
| XXXXXX | 3158541973 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158542002 | Pre-TRID | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | (No Data) |
| XXXXXX | 3158542061 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158542064 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158542088 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158542144 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158542197 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A C B | (No Data) |
| XXXXXX | 3158542213 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158542232 | Pre-TRID | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | (No Data) |
| XXXXXX | 3158542339 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158542399 | Pre-TRID | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | (No Data) |
| XXXXXX | 3158542488 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158542490 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158542510 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |
| XXXXXX | 3158542540 | Pre-TRID | XXXXXX | XXXXXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A D | (No Data) |
| XXXXXX | 3158537042 | Pre-TRID | XXXXXX | XXXXXX B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B | (No Data) |

---

## Exhibit 99.2

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

 **Exhibit 99.2 - Schedule 5**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| XXXXXX | 3158537264 | XXXXXX | Amortization Type | Fixed | ARM |
| XXXXXX | 3158537264 | XXXXXX | Debt to Income Ratio (Back) | 51.0000 | 0.0000 |
| XXXXXX | 3158537264 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537322 | XXXXXX | Amortization Type | Fixed | ARM |
| XXXXXX | 3158537322 | XXXXXX | Debt to Income Ratio (Back) | 40.0490 | 0.0000 |
| XXXXXX | 3158537322 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537322 | XXXXXX | Original Term | 362 | 360 |
| XXXXXX | 3158537322 | XXXXXX | Property Type | Rowhouse | SFR |
| XXXXXX | 3158536815 | XXXXXX | Amortization Type | Fixed | ARM |
| XXXXXX | 3158536815 | XXXXXX | Debt to Income Ratio (Back) | 46.1600 | 0.0000 |
| XXXXXX | 3158536815 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158536815 | XXXXXX | Original Term | 363 | 360 |
| XXXXXX | 3158536815 | XXXXXX | Prepay Penalty Term | 58 | 60 |
| XXXXXX | 3158536816 | XXXXXX | Debt to Income Ratio (Back) | 24.8000 | 0.0000 |
| XXXXXX | 3158536848 | XXXXXX | Debt to Income Ratio (Back) | 35.2200 | 0.0000 |
| XXXXXX | 3158536848 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158536848 | XXXXXX | Original Term | 537 | 360 |
| XXXXXX | 3158537393 | XXXXXX | Amortization Type | Fixed | ARM |
| XXXXXX | 3158537393 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| XXXXXX | 3158537393 | XXXXXX | Debt to Income Ratio (Back) | 43.4300 | 0.0000 |
| XXXXXX | 3158537393 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537393 | XXXXXX | Original Term | 552 | 360 |
| XXXXXX | 3158537393 | XXXXXX | Prepay Penalty Term | 34 | 36 |
| XXXXXX | 3158536880 | XXXXXX | Amortization Type | Fixed | ARM |
| XXXXXX | 3158536880 | XXXXXX | Debt to Income Ratio (Back) | 22.5000 | 0.0000 |
| XXXXXX | 3158536880 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158536880 | XXXXXX | Original Term | 536 | 360 |
| XXXXXX | 3158536880 | XXXXXX | Prepay Penalty Term | 22 | 24 |
| XXXXXX | 3158536898 | XXXXXX | Combined LTV | 90.00 | 85.36 |
| XXXXXX | 3158536898 | XXXXXX | Debt to Income Ratio (Back) | 28.8900 | 0.0000 |
| XXXXXX | 3158536898 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158536898 | XXXXXX | Original LTV | 90.00 | 85.36 |
| XXXXXX | 3158536898 | XXXXXX | Prepay Penalty Term | 34 | 36 |
| XXXXXX | 3158536965 | XXXXXX | Amortization Type | Fixed | ARM |
| XXXXXX | 3158536965 | XXXXXX | Debt to Income Ratio (Back) | 41.2000 | 0.0000 |
| XXXXXX | 3158536965 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158536965 | XXXXXX | Original Term | 540 | 360 |
| XXXXXX | 3158536965 | XXXXXX | Prepay Penalty Term | 23 | 24 |
| XXXXXX | 3158537495 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537495 | XXXXXX | Original Term | 691 | 240 |
| XXXXXX | 3158537509 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537509 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537509 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537509 | XXXXXX | Original Term | 607 | 360 |
| XXXXXX | 3158537603 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537603 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| XXXXXX | 3158537603 | XXXXXX | Original Term | 454 | 360 |
| XXXXXX | 3158537655 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537655 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537655 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537655 | XXXXXX | Note Rate | 8.4 | 7.0500 |
| XXXXXX | 3158537655 | XXXXXX | Original Term | 580 | 0 |
| XXXXXX | 3158537655 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537660 | XXXXXX | Original Term | 398 | 360 |
| XXXXXX | 3158537660 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537799 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537799 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| XXXXXX | 3158537799 | XXXXXX | Original Term | 679 | 240 |
| XXXXXX | 3158537800 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537800 | XXXXXX | Original Term | 401 | 240 |
| XXXXXX | 3158537823 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537823 | XXXXXX | Original Term | 613 | 360 |
| XXXXXX | 3158537886 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| XXXXXX | 3158537886 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537886 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537886 | XXXXXX | Note Rate | 5.4 | 4.1200 |
| XXXXXX | 3158537886 | XXXXXX | Original Term | 628 | 360 |
| XXXXXX | 3158537925 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537925 | XXXXXX | Original Term | 648 | 360 |
| XXXXXX | 3158537943 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537943 | XXXXXX | Original Term | 564 | 360 |
| XXXXXX | 3158538081 | XXXXXX | Original Term | 613 | 240 |
| XXXXXX | 3158538095 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158538095 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| XXXXXX | 3158538095 | XXXXXX | Original Term | 638 | 240 |
| XXXXXX | 3158538156 | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX |
| XXXXXX | 3158538156 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| XXXXXX | 3158538156 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| XXXXXX | 3158538156 | XXXXXX | Loan Purpose | Cashout Refi | Home Improvement |
| XXXXXX | 3158538156 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158538156 | XXXXXX | Original Term | 364 | 360 |
| XXXXXX | 3158538342 | XXXXXX | Original Term | 361 | 360 |
| XXXXXX | 3158538359 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| XXXXXX | 3158538359 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158538359 | XXXXXX | Original Term | 361 | 360 |
| XXXXXX | 3158538479 | XXXXXX | Original Term | 361 | 360 |
| XXXXXX | 3158538489 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158538489 | XXXXXX | Occupancy Type | Primary | Investor |
| XXXXXX | 3158538489 | XXXXXX | Original Term | 676 | 180 |
| XXXXXX | 3158538633 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| XXXXXX | 3158538633 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158538633 | XXXXXX | Original Term | 382 | 360 |
| XXXXXX | 3158538756 | XXXXXX | Original Term | 577 | 120 |
| XXXXXX | 3158538860 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158538860 | XXXXXX | Original Term | 363 | 360 |
| XXXXXX | 3158538863 | XXXXXX | Original Term | 608 | 360 |
| XXXXXX | 3158538863 | XXXXXX | Property Zip | XXXXXX | XXXXXX |
| XXXXXX | 3158538866 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158538866 | XXXXXX | Original Term | 409 | 360 |
| XXXXXX | 3158539044 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158539044 | XXXXXX | Original Term | 392 | 360 |
| XXXXXX | 3158539095 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| XXXXXX | 3158539095 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158539095 | XXXXXX | Original Term | 639 | 360 |
| XXXXXX | 3158539132 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158539132 | XXXXXX | Original Term | 263 | 240 |
| XXXXXX | 3158539180 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158539180 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 3158539180 | XXXXXX | Original Term | 352 | 240 |
| XXXXXX | 3158539232 | XXXXXX | Original Term | 331 | 330 |
| XXXXXX | 3158539258 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158539258 | XXXXXX | Original Term | 361 | 360 |
| XXXXXX | 3158539375 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 3158539406 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| XXXXXX | 3158539459 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| XXXXXX | 3158539459 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158539459 | XXXXXX | Original Term | 361 | 360 |
| XXXXXX | 3158539465 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| XXXXXX | 3158539465 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158539465 | XXXXXX | Original Term | 516 | 240 |
| XXXXXX | 3158539485 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158539485 | XXXXXX | Original Term | 361 | 360 |
| XXXXXX | 3158539577 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| XXXXXX | 3158539660 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| XXXXXX | 3158539660 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158539660 | XXXXXX | Original Term | 355 | 360 |
| XXXXXX | 3158539660 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| XXXXXX | 3158539792 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| XXXXXX | 3158539810 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| XXXXXX | 3158539810 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158539810 | XXXXXX | Original Term | 640 | 360 |
| XXXXXX | 3158539810 | XXXXXX | Property Type | SFR | SFR-Attached |
| XXXXXX | 3158539958 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158539958 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 3158539958 | XXXXXX | Original Term | 619 | 360 |
| XXXXXX | 3158539958 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| XXXXXX | 3158540147 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158540147 | XXXXXX | Original Term | 363 | 360 |
| XXXXXX | 3158540201 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| XXXXXX | 3158540201 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| XXXXXX | 3158540201 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158540201 | XXXXXX | Original Term | 317 | 180 |
| XXXXXX | 3158540338 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| XXXXXX | 3158540347 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158540347 | XXXXXX | Original Term | 366 | 360 |
| XXXXXX | 3158540618 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| XXXXXX | 3158540618 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| XXXXXX | 3158540618 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158540618 | XXXXXX | Original Term | 651 | 360 |
| XXXXXX | 3158540690 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| XXXXXX | 3158540690 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| XXXXXX | 3158540690 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158540690 | XXXXXX | Original Term | 522 | 360 |
| XXXXXX | 3158540706 | XXXXXX | Original Term | 593 | 360 |
| XXXXXX | 3158540706 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| XXXXXX | 3158540745 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158540745 | XXXXXX | Original Term | 365 | 360 |
| XXXXXX | 3158540771 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158540771 | XXXXXX | Original Term | 689 | 360 |
| XXXXXX | 3158540789 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158540789 | XXXXXX | Original Term | 375 | 240 |
| XXXXXX | 3158540834 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| XXXXXX | 3158540834 | XXXXXX | Original Term | 552 | 360 |
| XXXXXX | 3158540834 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537174 | XXXXXX | Amortization Type | Fixed | ARM |
| XXXXXX | 3158537174 | XXXXXX | Combined LTV | 89.90 | 86.67 |
| XXXXXX | 3158537174 | XXXXXX | Debt to Income Ratio (Back) | 23.0000 | 0.0000 |
| XXXXXX | 3158537174 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537174 | XXXXXX | Original LTV | 89.90 | 86.67 |
| XXXXXX | 3158537174 | XXXXXX | Original Term | 588 | 360 |
| XXXXXX | 3158541034 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541034 | XXXXXX | Original Term | 630 | 240 |
| XXXXXX | 3158541049 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541049 | XXXXXX | Original Term | 362 | 360 |
| XXXXXX | 3158541223 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541223 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541223 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541223 | XXXXXX | Note Rate | 8.5 | 8.7500 |
| XXXXXX | 3158541223 | XXXXXX | Original Term | 601 | 360 |
| XXXXXX | 3158541223 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541289 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| XXXXXX | 3158541289 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541289 | XXXXXX | Original Term | 650 | 360 |
| XXXXXX | 3158541307 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541307 | XXXXXX | Original Term | 599 | 360 |
| XXXXXX | 3158541317 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541317 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541317 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541317 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 3158541317 | XXXXXX | Original Term | 573 | 360 |
| XXXXXX | 3158541375 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541375 | XXXXXX | Original Term | 545 | 360 |
| XXXXXX | 3158541440 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541440 | XXXXXX | Original Term | 571 | 360 |
| XXXXXX | 3158541537 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541537 | XXXXXX | Original Term | 361 | 360 |
| XXXXXX | 3158541554 | XXXXXX | Original Term | 361 | 360 |
| XXXXXX | 3158541719 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541719 | XXXXXX | Original Term | 365 | 360 |
| XXXXXX | 3158541794 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541794 | XXXXXX | Original Term | 361 | 360 |
| XXXXXX | 3158541804 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541804 | XXXXXX | Original Term | 500 | 360 |
| XXXXXX | 3158541806 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| XXXXXX | 3158541806 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541806 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| XXXXXX | 3158541806 | XXXXXX | Original Term | 532 | 360 |
| XXXXXX | 3158541813 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541813 | XXXXXX | Original Term | 544 | 360 |
| XXXXXX | 3158541955 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541955 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 3158541955 | XXXXXX | Original Term | 618 | 360 |
| XXXXXX | 3158541973 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| XXXXXX | 3158541973 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541973 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158541973 | XXXXXX | Original Term | 621 | 360 |
| XXXXXX | 3158542002 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158542002 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 3158542002 | XXXXXX | Original Term | 639 | 120 |
| XXXXXX | 3158542061 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158542061 | XXXXXX | Note Rate | 6.9 | 6.6500 |
| XXXXXX | 3158542061 | XXXXXX | Original Term | 428 | 360 |
| XXXXXX | 3158542064 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158542064 | XXXXXX | Original Term | 394 | 360 |
| XXXXXX | 3158542088 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158542088 | XXXXXX | Original Term | 368 | 360 |
| XXXXXX | 3158542144 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158542144 | XXXXXX | Original Term | 662 | 360 |
| XXXXXX | 3158542197 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158542197 | XXXXXX | Original Term | 436 | 240 |
| XXXXXX | 3158542213 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158542213 | XXXXXX | Original Term | 585 | 360 |
| XXXXXX | 3158542232 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158542232 | XXXXXX | Original Term | 362 | 360 |
| XXXXXX | 3158542339 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158542339 | XXXXXX | Original Term | 426 | 360 |
| XXXXXX | 3158542399 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158542399 | XXXXXX | Original Term | 362 | 360 |
| XXXXXX | 3158542488 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158542488 | XXXXXX | Original Term | 366 | 360 |
| XXXXXX | 3158542490 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158542490 | XXXXXX | Original Term | 674 | 240 |
| XXXXXX | 3158542510 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158542510 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| XXXXXX | 3158542510 | XXXXXX | Original Term | 552 | 360 |
| XXXXXX | 3158542540 | XXXXXX | First Rate Change Date | XXXXXX | XXXXXX |
| XXXXXX | 3158542540 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158542540 | XXXXXX | Note Rate | 9.25 | 7.7500 |
| XXXXXX | 3158542540 | XXXXXX | Original Term | 542 | 359 |
| XXXXXX | 3158542540 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537042 | XXXXXX | Amortization Type | Fixed | ARM |
| XXXXXX | 3158537042 | XXXXXX | Debt to Income Ratio (Back) | 48.0000 | 0.0000 |
| XXXXXX | 3158537042 | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXXXX | 3158537042 | XXXXXX | Origination Date | XXXXXX | XXXXXX |

---

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

## Exhibit 99.2

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

 **Exhibit 99.2 - Schedule 6**

---

| | |
|:---|:---|
| **Client Name:** | **JP Morgan Chase Bank, NA** |
| **Client Project Name:** | **JP Morgan Chase 308 HE Mod Review_J12377** |
| **Start - End Dates:** | **11/4/2020- 12/31/2020** |
| **Deal Loan Count:** | **72** |
| **Completed Loans** | **72** |
| **Mod Upload** |  |
| *Loans in Report:* | *72* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Deal ID** | **Servicer Loan Number** | **Modified Note Status** | **Mod Type** | **Mod First Payment Date** | **Mod Maturity Date** | **Mod Forbearance Amount** | **Post Mod UPB** | **Post Mod Rate** | **Post Mod Payment** | **Step Rate Dates** | **Step Rates** | **Step Payments** | **Calculated P&I (Mod)** | **DPM First Payment Date** | **DPM PIA Amount** | **Recast Payment** |
| (No Data) | 3158537495 | Present | Non-HAMP Mod | XXXX | 04/01/2060 | 0.00 | 73746.69 | 3.750 | $296.85 | Not Applicable | Not Applicable | Not Applicable | $296.85 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158537509 | Present | Non-HAMP Mod | XXXX | 02/01/2058 | 0.00 | 58854.42 | 4.010 | $246.34 | Not Applicable | Not Applicable | Not Applicable | $246.35 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158537603 | Present | HAMP | XXXX | 02/01/2043 | 13000.61 | 79150.61 | 2.000 | $247.53 | 08/01/2013,08/01/2018,08/01/2019,08/01/2020 | 2.000,3.000,4.000,4.500 | 247.53,276.39,305.98,320.86 | $247.54 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158537655 | Present | Non-HAMP Mod | XXXX | 10/01/2055 | 0.00 | 539652.75 | 2.875 | $1893.20 | 10/01/2015,10/01/2020 | 2.875,3.875 | 1893.20, 2180.76 | $1893.20 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158537660 | Present | HAMP | XXXX | 08/01/2038 | 128791.40 | 212791.4 | 2.000 | $358.81 | 11/01/2013,11/01/2018,11/01/2019,11/01/2020 | 2.000,3.000,4.000,4.250 | 358.81,392.95,427.28,435.72 | $358.82 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158537799 | Present | Non-HAMP Mod | XXXX | 02/01/2060 | 0.00 | 35170.94 | 3.625 | $138.90 | Not Applicable | Not Applicable | Not Applicable | $138.90 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158537823 | Present | Non-HAMP Mod | XXXX | 01/01/2054 | 0.00 | 93161.51 | 4.375 | $411.36 | 01/01/2014,01/01/2019 | 4.375,4.500 | 411.36,418.18 | $411.37 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158537886 | Present | HAMP | XXXX | 09/01/2056 | 0.00 | 87971.96 | 3.125 | $321.30 | Not Applicable | Not Applicable | Not Applicable | $321.30 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158537925 | Present | Non-HAMP Mod | XXXX | 04/01/2060 | 0.00 | 72994.38 | 3.750 | $293.82 | Not Applicable | Not Applicable | Not Applicable | $293.83 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158537943 | Present | Non-HAMP Mod | XXXX | 09/01/2053 | 33799.44 | 132499.44 | 7.425 | $644.05 | Not Applicable | Not Applicable | Not Applicable | $644.06 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158538081 | Present | Non-HAMP Mod | XXXX | 01/01/2059 | 0.00 | 176042.04 | 4.500 | $791.42 | Not Applicable | Not Applicable | Not Applicable | $791.42 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158538095 | Present | HAMP Modification - Balloon | XXXX | 03/01/2057 | 0.00 | 84695.03 | 3.000 | $303.20 | Not Applicable | Not Applicable | Not Applicable | $303.20 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158538156 | Present | Non-HAMP Mod | XXXX | 01/01/2038 | 0.00 | 51970.94 | 4.850 | $296.77 | Not Applicable | Not Applicable | Not Applicable | $296.78 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158538166 | Present | Non-HAMP Mod | XXXX | 09/25/2035 | 0.00 | 0 | 5.250 | $686.05 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158538342 | Present | Non-HAMP Mod | XXXX | 09/04/2033 | 0.00 | 0 | 5.250 | $740.33 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158538359 | Present | Non-HAMP Mod | XXXX | 04/01/2031 | 0.00 | 0 | 5.250 | $695.16 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158538396 | Present | Non-HAMP Mod | XXXX | 04/15/2036 | 0.00 | 0 | 5.250 | $452.30 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158538479 | Present | Non-HAMP Mod | XXXX | 02/21/2038 | 0.00 | 0 | 5.250 | $718.96 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158538489 | Present | HAMP | XXXX | 08/01/2056 | 0.00 | 50278.58 | 3.250 | $187.31 | Not Applicable | Not Applicable | Not Applicable | $187.31 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158538633 | Present | Non-HAMP Mod | XXXX | 05/25/2035 | 0.00 | 53412.09 | 5.250 | $334.32 | Not Applicable | Not Applicable | Not Applicable | $334.33 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158538669 | Present | Non-HAMP Mod | XXXX | 04/15/2027 | 0.00 | 0 | 5.250 | $905.81 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158538756 | Present | Non-HAMP Mod | XXXX | 11/01/2050 | 0.00 | 222168.91 | 2.750 | $763.66 | 11/01/2010,11/01/2015,11/01/2016 | 2.750,3.750,4.375 | 763.66,880.71,956.50 | $763.66 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158538863 | Present | Non-HAMP Mod | XXXX | 04/01/2058 | 0.00 | 150038.63 | 3.500 | $581.24 | 04/01/2018,04/01/2023 | 3.500,4.500 | 581.24,665.57 | $581.24 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158539044 | Present | Non-HAMP Mod | XXXX | 06/18/2038 | 0.00 | 0 | 5.250 | $641.87 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158539095 | Present | Non-HAMP Mod | XXXX | 02/01/2060 | 0.00 | 71853.23 | 3.750 | $289.23 | Not Applicable | Not Applicable | Not Applicable | $289.23 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158539180 | Present | Non-HAMP Mod | XXXX | 03/01/2031 | 0.00 | 111556.72 | 8.600 | $1035.67 | Not Applicable | Not Applicable | Not Applicable | $1035.67 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158539232 | Present | Non-HAMP Mod | XXXX | 09/25/2033 | 0.00 | 0 | 5.250 | $591.70 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158539258 | Present | Non-HAMP Mod | XXXX | 05/26/2037 | 0.00 | 0 | 5.250 | $1144.01 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158539346 | Present | Non-HAMP Mod | XXXX | 07/01/2034 | 0.00 | 0 | 5.250 | $524.27 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158539375 | Present | Non-HAMP Mod | XXXX | 11/03/2036 | 0.00 | 0 | 5.250 | $431.29 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158539406 | Present | Non-HAMP Mod | XXXX | 10/18/2037 | 0.00 | 0 | 5.250 | $665.73 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158539459 | Present | Non-HAMP Mod | XXXX | 05/18/2037 | 0.00 | 0 | 5.250 | $607.73 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158539465 | Present | Non-HAMP Mod | XXXX | 07/01/2045 | 0.00 | 64930.96 | 3.500 | $291.57 | Not Applicable | Not Applicable | Not Applicable | $291.57 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158539485 | Present | Non-HAMP Mod | XXXX | 03/15/2036 | 0.00 | 0 | 5.250 | $526.30 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158539660 | Present | Non-HAMP Mod | XXXX | 12/01/2033 | 0.00 | 142606.35 | 5.700 | $947.19 | Not Applicable | Not Applicable | Not Applicable | $947.20 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158539792 | Present | Non-HAMP Mod | XXXX | 08/05/2034 | 0.00 | 0 | 5.250 | $220.99 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158539810 | Present | Non-HAMP Mod | XXXX | 03/01/2059 | 0.00 | 257082.67 | 5.000 | $1239.64 | Not Applicable | Not Applicable | Not Applicable | $1239.65 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158539958 | Present | Non-HAMP Mod | XXXX | 10/01/2058 | 0.00 | 40599.29 | 4.625 | $185.79 | Not Applicable | Not Applicable | Not Applicable | $185.80 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158540201 | Present | Non-HAMP Mod | XXXX | 11/01/2030 | 0.00 | 56107.43 | 5.250 | $499.25 | Not Applicable | Not Applicable | Not Applicable | $499.25 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158540347 | Present | Non-HAMP Mod | XXXX | 09/07/2035 | 153.28 | 158237.72 | 7.100 | $786.69 | 03/01/2009 | 7.100 | 1101.07 | $790.60 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158540513 | Present | Non-HAMP Mod | XXXX | 07/18/2036 | 0.00 | 0 | 5.250 | $641.06 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158540618 | Present | Non-HAMP Mod | XXXX | 06/01/2060 | 0.00 | 72230.26 | 3.625 | $285.25 | Not Applicable | Not Applicable | Not Applicable | $285.26 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158540690 | Present | HAMP | XXXX | 10/01/2050 | 0.00 | 94534.22 | 2.000 | $291.07 | 10/01/2011,10/01/2016,10/01/2017,10/01/2018 | 2.000,3.000,4.000,4.125 | 291.07,336.95,385.26,391.40 | $291.08 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158540706 | Present | Non-HAMP Mod | XXXX | 01/01/2054 | 111767.42 | 248267.42 | 3.625 | $539.07 | 01/01/2014,01/01/2019 | 3.625,4.500 | 539.07,606.61 | $539.08 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158540771 | Present | Non-HAMP Mod | XXXX | 05/01/2059 | 0.00 | 71645.99 | 4.500 | $322.09 | Not Applicable | Not Applicable | Not Applicable | $322.10 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158540789 | Present | Non-HAMP Mod | XXXX | 01/15/2034 | 84.61 | 87111.32 | 6.000 | $550.74 | Not Applicable | Not Applicable | Not Applicable | $551.47 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158540834 | Present | Non-HAMP Mod | XXXX | 07/01/2051 | 1115.06 | 18196.82 | 2.550 | $56.80 | 07/01/2011,07/01/2016,07/01/2017 | 2.550,3.550,4.500 | 56.80,65.63,74.44 | $56.81 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158540836 | Present | Non-HAMP Mod | XXXX | 04/10/2036 | 0.00 | 0 | 5.250 | $1352.86 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158541034 | Present | Non-HAMP Mod | XXXX | 06/01/2056 | 6926.74 | 75176.74 | 2.625 | $229.81 | 06/01/2016,06/01/2021 | 2.625,3.625 | 229.81,265.35 | $229.81 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158541049 | Present | Non-HAMP Mod | XXXX | 10/15/2033 | 0.00 | 0 | 5.250 | $477.46 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158541223 | Present | Non-HAMP Mod | XXXX | 08/01/2057 | 0.00 | 331444.75 | 2.000 | $1003.70 | 08/01/2017,08/01/2022,08/01/2023 | 2.000,3.000,3.875 | 1003.70, 1166.07, 1315.37 | $1003.70 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158541289 | Present | Non-HAMP Mod | XXXX | 06/01/2058 | 0.00 | 72161.01 | 5.740 | $384.04 | Not Applicable | Not Applicable | Not Applicable | $384.05 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158541307 | Present | Non-HAMP Mod | XXXX | 03/01/2057 | 0.00 | 39222.19 | 7.600 | $261.01 | Not Applicable | Not Applicable | Not Applicable | $261.02 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158541317 | Present | Non-HAMP Mod | XXXX | 10/01/2053 | 0.00 | 45577.78 | 7.750 | $308.39 | Not Applicable | Not Applicable | Not Applicable | $308.39 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158541375 | Missing | (No Data) | XXXX | (No Data) | (No Data) | 0 | (No Data) | $0.00 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158541440 | Present | Non-HAMP Mod | XXXX | 03/26/2050 | 5273.01 | 186197.73 | 6.125 | $1011.28 | Not Applicable | Not Applicable | Not Applicable | $1011.29 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158541719 | Present | Non-HAMP Mod | XXXX | 05/01/2035 | 0.00 | 0 | 5.250 | $670.61 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158541794 | Present | Non-HAMP Mod | XXXX | 07/20/2035 | 0.00 | 0 | 5.250 | $620.98 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158541804 | Present | HAMP | XXXX | 10/01/2046 | 51408.24 | 183658.24 | 5.125 | $680.37 | Not Applicable | Not Applicable | Not Applicable | $680.38 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158541806 | Present | Non-HAMP Mod | XXXX | 04/01/2051 | 16700.00 | 139453.84 | 2.000 | $321.16 | 04/01/2011,04/01/2016,04/01/2017,04/01/2018 | 2.000,3.000,4.000,5.000 | 321.16,373.11,427.95,485.23 | $371.74 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158541813 | Present | Step/Fixed | XXXX | 06/28/2049 | 0.00 | 88983.41 | 4.820 | $371.90 | Missing | 4.820 | 416.04 | $371.59 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158541955 | Present | Non-HAMP Mod | XXXX | 09/01/2058 | 0.00 | 118045.51 | 4.625 | $540.21 | Not Applicable | Not Applicable | Not Applicable | $540.22 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158541973 | Present | HAMP | XXXX | 03/01/2056 | 31608.71 | 105362.37 | 3.375 | $280.21 | Not Applicable | Not Applicable | Not Applicable | $280.22 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158542002 | Present | Non-HAMP Mod | XXXX | 08/01/2058 | 0.00 | 67710.05 | 4.625 | $309.86 | Not Applicable | Not Applicable | Not Applicable | $309.87 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158542061 | Present | HAMP | XXXX | 08/01/2041 | 0.00 | 48546.41 | 2.400 | $201.53 | 03/01/2014,03/01/2019,03/01/2020 | 2.400,3.400,4.250 | 201.53,222.78,241.05 | $201.54 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158542064 | Present | Non-HAMP Mod | XXXX | 09/19/2039 | 0.00 | 0 | 5.250 | $1223.41 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158542144 | Present | Non-HAMP Mod | XXXX | 01/01/2060 | 0.00 | 92073.62 | 3.625 | $363.62 | Not Applicable | Not Applicable | Not Applicable | $363.63 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158542197 | Present | HAMP | XXXX | 08/01/2037 | 0.00 | 77260.8 | 2.000 | $314.70 | 04/01/2011,04/01/2016,04/01/2017,04/01/2018 | 2.000,3.000,4.000,5.000 | 314.70,346.92,379.54,412.37 | $314.71 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158542213 | Present | Non-HAMP Mod | XXXX | 04/01/2051 | 0.00 | 83153.45 | 5.050 | $403.72 | Not Applicable | Not Applicable | Not Applicable | $403.73 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158542232 | Present | Non-HAMP Mod | XXXX | 05/05/2033 | 0.00 | 0 | 5.250 | $454.41 | Not Applicable | Not Applicable | Not Applicable | $0.00 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158542490 | Present | Non-HAMP Mod | XXXX | 05/01/2059 | 0.00 | 40331.11 | 4.500 | $181.31 | Not Applicable | Not Applicable | Not Applicable | $181.32 | Not Applicable | Not Applicable | (No Data) |
| (No Data) | 3158542540 | Present | Non-HAMP Mod | XXXX | 10/01/2052 | 75000.00 | 566798.41 | 2.000 | $1262.17 | 10/01/2012,10/01/2017,10/01/2018,10/01/2019 | 2.000,3.000,4.000,4.500 | 1262.17, 1466.35, 1681.87, 1792.74 | $1489.30 | Not Applicable | Not Applicable | (No Data) |

---

## Exhibit 99.2

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

 **Exhibit 99.2 - Schedule 7**

---

| | |
|:---|:---|
| **Client Name:** | **JP Morgan Chase Bank, NA** |
| **Client Project Name:** | **JPMC-CLN 2020-2 Mods_J12130_T31** |
| **Start - End Dates:** | **9/25/2020- 12/31/2020** |
| **Deal Loan Count:** | **3** |
| **Completed Loans** | **3** |
| **Mod Upload** |  |
| *Loans in Report:* | *3* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Modified Note Status** | **Mod Type** | **Mod First Payment Date** | **Mod Maturity Date** | **Mod Forbearance Amount** | **Post Mod UPB** | **Post Mod Rate** | **Post Mod Payment** | **Step Rate Dates** | **Step Rates** | **Step Payments** | **Calculated P&I (Mod)** | **DPM First Payment Date** | **DPM PIA Amount** | **Recast Payment** | **Modification Comments** |
| 3158537264 | Present | HAMP | XXXX | 02/01/2054 | 209203.61 | 446017.58 | 2.000 | $717.13 | 02/01/2014,02/01/2019,02/01/2020,02/01/2021 | 2.000,3.000,4.000,4.375 | 717.13,833.14,955.60, 1002.65 | $722.07 | Not Applicable | Not Applicable | (No Data) | 10/13/2020: Per MSP $209,203.61, is the current deferred 2nd balance. The Original amount was 254,340.69, MOD in Copies of MODs folder.<br> 10/20/2020: Letter found in Mod file forgives $45,137.08 making the new deferred balance $209,203.61 which reconciles with tape. |
| 3158537322 | Present | Non-HAMP Mod | XXXX | 04/01/2060 | 0.00 | 179359.73 | 3.750 | $721.97 | Not Applicable | Not Applicable | Not Applicable | $721.97 | Not Applicable | Not Applicable | (No Data) | Modification located on page 1 |
| 3158537393 | Present | Non-HAMP Mod | XXXX | 07/01/2059 | 0.00 | 156690.4 | 4.125 | $667.10 | Not Applicable | Not Applicable | Not Applicable | $667.11 | Not Applicable | Not Applicable | (No Data) | (No Data) |

---

## Exhibit 99.2

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

 **Exhibit 99.2 - Schedule 8**

![](ex99_001.gif)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 |
| **Loan ID** | **Review Period** | **Borrower** | **Co-Borrower** | **Address** | **State** | **Zip Code** | **UPB - Bid Tape** | **Int Rate - Bid Tape** | **Review Status** | **Being Reviewed By** | **Default Status** | **Current Balance** | **Deferred Principal Balance** | **Forgiven Deferral** | **Current Rate** | **Current PITI** | **Current PI** | **Escrow?** | **Escrow Balance** | **Corp/Servicing Advances** | **Interest Paid-To** | **Date Next Payment Due** | **Date Last Payment Received** | **Pay History Date As Of** | **Principal Oct 2017** | **Interest Oct 2017** | **Escrow Oct 2017** | **Other Oct 2017** | **Total Cash Oct 2017** | **Next Due Date Oct 2017** | **Principal Nov 2017** | **Interest Nov 2017** | **Escrow Nov 2017** | **Other Nov 2017** | **Total Cash Nov 2017** | **Next Due Date Nov 2017** | **Principal Dec 2017** | **Interest Dec 2017** | **Escrow Dec 2017** | **Other Dec 2017** | **Total Cash Dec 2017** | **Next Due Date Dec 2017** | **Principal Jan 2018** | **Interest Jan 2018** | **Escrow Jan 2018** | **Other Jan 2018** | **Total Cash Jan 2018** | **Next Due Date Jan 2018** | **Principal Feb 2018** | **Interest Feb 2018** | **Escrow Feb 2018** | **Other Feb 2018** | **Total Cash Feb 2018** | **Next Due Date Feb 2018** | **Principal Mar 2018** | **Interest Mar 2018** | **Escrow Mar 2018** | **Other Mar 2018** | **Total Cash Mar 2018** | **Next Due Date Mar 2018** | **Principal Apr 2018** | **Interest Apr 2018** | **Escrow Apr 2018** | **Other Apr 2018** | **Total Cash Apr 2018** | **Next Due Date Apr 2018** | **Principal May 2018** | **Interest May 2018** | **Escrow May 2018** | **Other May 2018** | **Total Cash May 2018** | **Next Due Date May 2018** | **Principal Jun 2018** | **Interest Jun 2018** | **Escrow Jun 2018** | **Other Jun 2018** | **Total Cash Jun 2018** | **Next Due Date Jun 2018** | **Principal Jul 2018** | **Interest Jul 2018** | **Escrow Jul 2018** | **Other Jul 2018** | **Total Cash Jul 2018** | **Next Due Date Jul 2018** | **Principal Aug 2018** | **Interest Aug 2018** | **Escrow Aug 2018** | **Other Aug 2018** | **Total Cash Aug 2018** | **Next Due Date Aug 2018** | **Principal Sep 2018** | **Interest Sep 2018** | **Escrow Sep 2018** | **Other Sep 2018** | **Total Cash Sep 2018** | **Next Due Date Sep 2018** | **Principal Oct 2018** | **Interest Oct 2018** | **Escrow Oct 2018** | **Other Oct 2018** | **Total Cash Oct 2018** | **Next Due Date Oct 2018** | **Principal Nov 2018** | **Interest Nov 2018** | **Escrow Nov 2018** | **Other Nov 2018** | **Total Cash Nov 2018** | **Next Due Date Nov 2018** | **Principal Dec 2018** | **Interest Dec 2018** | **Escrow Dec 2018** | **Other Dec 2018** | **Total Cash Dec 2018** | **Next Due Date Dec 2018** | **Principal Jan 2019** | **Interest Jan 2019** | **Escrow Jan 2019** | **Other Jan 2019** | **Total Cash Jan 2019** | **Next Due Date Jan 2019** | **Principal Feb 2019** | **Interest Feb 2019** | **Escrow Feb 2019** | **Other Feb 2019** | **Total Cash Feb 2019** | **Next Due Date Feb 2019** | **Principal Mar 2019** | **Interest Mar 2019** | **Escrow Mar 2019** | **Other Mar 2019** | **Total Cash Mar 2019** | **Next Due Date Mar 2019** | **Principal Apr 2019** | **Interest Apr 2019** | **Escrow Apr 2019** | **Other Apr 2019** | **Total Cash Apr 2019** | **Next Due Date Apr 2019** | **Principal May 2019** | **Interest May 2019** | **Escrow May 2019** | **Other May 2019** | **Total Cash May 2019** | **Next Due Date May 2019** | **Principal Jun 2019** | **Interest Jun 2019** | **Escrow Jun 2019** | **Other Jun 2019** | **Total Cash Jun 2019** | **Next Due Date Jun 2019** | **Principal Jul 2019** | **Interest Jul 2019** | **Escrow Jul 2019** | **Other Jul 2019** | **Total Cash Jul 2019** | **Next Due Date Jul 2019** | **Principal Aug 2019** | **Interest Aug 2019** | **Escrow Aug 2019** | **Other Aug 2019** | **Total Cash Aug 2019** | **Next Due Date Aug 2019** | **Principal Sep 2019** | **Interest Sep 2019** | **Escrow Sep 2019** | **Other Sep 2019** | **Total Cash Sep 2019** | **Next Due Date Sep 2019** | **Principal Oct 2019** | **Interest Oct 2019** | **Escrow Oct 2019** | **Other Oct 2019** | **Total Cash Oct 2019** | **Next Due Date Oct 2019** | **Principal Nov 2019** | **Interest Nov 2019** | **Escrow Nov 2019** | **Other Nov 2019** | **Total Cash Nov 2019** | **Next Due Date Nov 2019** | **Principal Dec 2019** | **Interest Dec 2019** | **Escrow Dec 2019** | **Other Dec 2019** | **Total Cash Dec 2019** | **Next Due Date Dec 2019** | **Principal Jan 2020** | **Interest Jan 2020** | **Escrow Jan 2020** | **Other Jan 2020** | **Total Cash Jan 2020** | **Next Due Date Jan 2020** | **Principal Feb 2020** | **Interest Feb 2020** | **Escrow Feb 2020** | **Other Feb 2020** | **Total Cash Feb 2020** | **Next Due Date Feb 2020** | **Principal Mar 2020** | **Interest Mar 2020** | **Escrow Mar 2020** | **Other Mar 2020** | **Total Cash Mar 2020** | **Next Due Date Mar 2020** | **Principal Apr 2020** | **Interest Apr 2020** | **Escrow Apr 2020** | **Other Apr 2020** | **Total Cash Apr 2020** | **Next Due Date Apr 2020** | **Principal May 2020** | **Interest May 2020** | **Escrow May 2020** | **Other May 2020** | **Total Cash May 2020** | **Next Due Date May 2020** | **Principal Jun 2020** | **Interest Jun 2020** | **Escrow Jun 2020** | **Other Jun 2020** | **Total Cash Jun 2020** | **Next Due Date Jun 2020** | **Principal Jul 2020** | **Interest Jul 2020** | **Escrow Jul 2020** | **Other Jul 2020** | **Total Cash Jul 2020** | **Next Due Date Jul 2020** | **Principal Aug 2020** | **Interest Aug 2020** | **Escrow Aug 2020** | **Other Aug 2020** | **Total Cash Aug 2020** | **Next Due Date Aug 2020** | **Principal Sep 2020** | **Interest Sep 2020** | **Escrow Sep 2020** | **Other Sep 2020** | **Total Cash Sep 2020** | **Next Due Date Sep 2020** | **Missing History 1 Starting** | **Missing History 1 Ends** | **Missing History 2 Starting** | **Missing History 2 Ends** | **Client String** | **Delinquency History (MBA): October 2017 - September 2020** | **String Match?** | **Delq 30** | **Delq 60** | **Delq 90** | **Delq 120** | **Cash Velocity - 6 month** | **Cash Velocity - 12 months** | **Cash Velocity - 24 months** | **Data Edit Comment** | **Date Reviewed** |
| 3158537495 | 36 | XXX | XXX | XXX | OH | XXXX | $71954.84 | 3.750% | Completed | Clayton | Delinquent | $72008.08 | $0.00 | $0.00 | Missing | $465.88 | $243.34 | Yes | $0.00 | $0.00 | 8/1/2020 | 9/1/2020 | 9/1/2020 | 9/30/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/1/2017 | $0.00 | $474.21 | $761.75 | $0.00 | $1235.96 | 12/1/2017 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/1/2017 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/1/2017 | $241.47 | $1447.58 | $732.23 | $100.00 | $2521.28 | 4/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/1/2018 | $0.00 | $2151.23 | $869.99 | $100.00 | $3121.22 | 9/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/1/2018 | $270.97 | $571.99 | $401.24 | $0.00 | $1244.20 | 11/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 11/1/2018 | $0.00 | $1077.44 | $216.76 | $0.00 | $1294.20 | 1/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/1/2019 | $0.00 | $668.76 | $600.44 | $0.00 | $1269.20 | 3/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 3/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 3/1/2019 | $0.00 | $854.53 | $414.67 | $0.00 | $1269.20 | 5/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2019 | $0.00 | $470.08 | $0.00 | $0.00 | $470.08 | 6/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/1/2019 | $0.00 | $470.08 | $0.00 | $0.00 | $470.08 | 6/1/2019 | $0.00 | $470.08 | $0.00 | $0.00 | $470.08 | 7/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2019 | $0.00 | $465.94 | $0.00 | $0.00 | $465.94 | 8/1/2019 | $0.00 | $463.83 | $1366.01 | $0.00 | $1829.84 | 6/1/2020 | $0.00 | $128.45 | $337.55 | $0.00 | $466.00 | 7/1/2020 | $0.00 | $226.68 | $195.27 | $0.00 | $421.95 | 8/1/2020 | $438.61 | $226.68 | $222.54 | $0.00 | $887.83 | 9/1/2020 |  |  |  |  | 101200123401010101212345677899991110 | 101200123401010101212345677899991110 | TRUE | 11 | 4 | 2 | 11 | 1.34 | 1.15 | 1.17 | • A loan modification was completed in June 2020. | 11/5/2020 |
| 3158537800 | 36 | XXX | XXX | XXX | OH | XXXX | $69719.07 | 8.850% | Completed | Clayton | Current | $69864.43 | $0.00 | $0.00 | Missing | $652.16 | $652.16 | No | $0.00 | $0.00 | 9/3/2020 | 10/3/2020 | 9/2/2020 | 9/30/2020 | $112.60 | $540.40 | $0.00 | $0.00 | $653.00 | 11/3/2017 | $0.00 | $653.00 | $0.00 | $0.00 | $653.00 | 12/3/2017 | $208.83 | $444.17 | $0.00 | $0.00 | $653.00 | 1/3/2018 | $97.00 | $556.00 | $0.00 | $0.00 | $653.00 | 2/3/2018 | $97.71 | $555.29 | $0.00 | $0.00 | $653.00 | 3/3/2018 | $261.29 | $500.87 | $0.00 | $0.00 | $762.16 | 4/3/2018 | $100.43 | $552.57 | $0.00 | $0.00 | $653.00 | 5/3/2018 | $83.36 | $569.64 | $0.00 | $0.00 | $653.00 | 6/3/2018 | $0.00 | $653.00 | $0.00 | $0.00 | $653.00 | 7/3/2018 | $590.08 | $715.92 | $0.00 | $0.00 | $1306.00 | 9/3/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/3/2018 | $0.00 | $653.00 | $0.00 | $0.00 | $653.00 | 10/3/2018 | $0.00 | $653.00 | $0.00 | $0.00 | $653.00 | 11/3/2018 | $89.46 | $563.54 | $0.00 | $0.00 | $653.00 | 12/3/2018 | $0.00 | $677.16 | $0.00 | $0.00 | $677.16 | 1/3/2019 | $132.31 | $520.69 | $0.00 | $0.00 | $653.00 | 2/3/2019 | $19.16 | $633.00 | $0.00 | $25.00 | $677.16 | 3/3/2019 | $354.16 | $298.84 | $0.00 | $0.00 | $653.00 | 4/3/2019 | $0.00 | $653.00 | $0.00 | $0.00 | $653.00 | 5/3/2019 | $272.99 | $379.17 | $0.00 | $0.00 | $652.16 | 6/3/2019 | $0.00 | $653.00 | $0.00 | $0.00 | $653.00 | 7/3/2019 | $86.14 | $566.86 | $0.00 | $0.00 | $653.00 | 8/3/2019 | $42.95 | $609.21 | $0.00 | $0.00 | $652.16 | 9/3/2019 | $252.07 | $400.09 | $0.00 | $0.00 | $652.16 | 10/3/2019 | $184.13 | $468.03 | $0.00 | $0.00 | $652.16 | 11/3/2019 | $0.00 | $652.16 | $0.00 | $0.00 | $652.16 | 12/3/2019 | $111.34 | $540.82 | $0.00 | $0.00 | $652.16 | 1/3/2020 | $151.92 | $500.24 | $0.00 | $0.00 | $652.16 | 2/3/2020 | $239.87 | $412.29 | $0.00 | $0.00 | $652.16 | 3/3/2020 | $172.73 | $479.43 | $0.00 | $0.00 | $652.16 | 4/3/2020 | $122.67 | $529.49 | $0.00 | $0.00 | $652.16 | 5/3/2020 | $140.68 | $511.48 | $0.00 | $0.00 | $652.16 | 6/3/2020 | $73.64 | $578.52 | $0.00 | $0.00 | $652.16 | 7/3/2020 | $159.24 | $492.92 | $0.00 | $0.00 | $652.16 | 8/3/2020 | $143.39 | $508.77 | $0.00 | $0.00 | $652.16 | 9/3/2020 | $127.47 | $524.69 | $0.00 | $0.00 | $652.16 | 10/3/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158537925 | 36 | XXX | XXX | XXX | OH | XXXX | $72718.61 | 3.750% | Completed | Clayton | Current | $72718.61 | $0.00 | $0.00 | Missing | $443.13 | $285.39 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/8/2020 | 9/30/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/28/2017 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/28/2017 | $354.89 | $973.69 | $0.00 | $0.00 | $1328.58 | 12/28/2017 | $23.40 | $419.46 | $0.00 | $0.00 | $442.86 | 1/28/2018 | $173.30 | $269.56 | $0.00 | $0.00 | $442.86 | 2/28/2018 | $458.11 | $427.61 | $0.00 | $0.00 | $885.72 | 4/28/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/28/2018 | $262.86 | $622.86 | $0.00 | $0.00 | $885.72 | 6/28/2018 | $166.92 | $275.94 | $0.00 | $0.00 | $442.86 | 7/28/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/28/2018 | $98.77 | $344.09 | $0.00 | $0.00 | $442.86 | 8/28/2018 | $20.74 | $422.12 | $0.00 | $0.00 | $442.86 | 9/28/2018 | $50.30 | $392.56 | $0.00 | $0.00 | $442.86 | 10/28/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/28/2018 | $326.75 | $558.97 | $0.00 | $0.00 | $885.72 | 12/28/2018 | $101.27 | $341.59 | $0.00 | $0.00 | $442.86 | 1/28/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/28/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/28/2019 | $675.66 | $652.92 | $0.00 | $0.00 | $1328.58 | 4/28/2019 | $18.35 | $424.51 | $0.00 | $0.00 | $442.86 | 5/28/2019 | $182.44 | $260.42 | $0.00 | $0.00 | $442.86 | 6/28/2019 | $0.00 | $375.14 | $67.72 | $0.00 | $442.86 | 7/28/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/28/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/28/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/28/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/28/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/28/2019 | $0.00 | $445.51 | $0.00 | $0.00 | $445.51 | 7/28/2019 | $0.00 | $445.51 | $0.00 | $0.00 | $445.51 | 8/28/2019 | $0.00 | $445.51 | $0.00 | $0.00 | $445.51 | 9/28/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/28/2019 | $273.52 | $314.12 | $292.76 | $0.00 | $880.40 | 7/1/2020 | $0.00 | $342.74 | $97.46 | $0.00 | $440.20 | 8/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/1/2020 | $0.00 | $253.33 | $189.80 | $0.00 | $443.13 | 9/1/2020 | $2.25 | $283.14 | $157.74 | $0.00 | $443.13 | 10/1/2020 |  |  |  |  | 120000000000010012000012345666700000 | 120000000000010012000012345666700000 | TRUE | 4 | 3 | 1 | 6 | 0.86 | 0.82 | 1.05 | • A loan modification was completed in May 2020. | 11/5/2020 |
| 3158538166 | 36 | XXX | XXX | XXX | OH | XXXX | $83604.89 | 5.250% | Completed | Clayton | Current | $83604.89 | $0.00 | $0.00 | Missing | $686.05 | $686.05 | No | $0.00 | $0.00 | 9/25/2020 | 10/25/2020 | 9/23/2020 | 9/30/2020 | $291.64 | $394.41 | $0.00 | $0.00 | $686.05 | 11/25/2017 | $319.97 | $366.08 | $0.00 | $0.00 | $686.05 | 12/25/2017 | $415.80 | $270.25 | $0.00 | $0.00 | $686.05 | 1/25/2018 | $161.40 | $524.65 | $0.00 | $0.00 | $686.05 | 2/25/2018 | $162.30 | $523.75 | $0.00 | $0.00 | $686.05 | 3/25/2018 | $310.69 | $375.36 | $0.00 | $0.00 | $686.05 | 4/25/2018 | $311.93 | $374.12 | $0.00 | $0.00 | $686.05 | 5/25/2018 | $326.50 | $359.55 | $0.00 | $0.00 | $686.05 | 6/25/2018 | $287.97 | $398.08 | $0.00 | $0.00 | $686.05 | 7/25/2018 | $270.29 | $449.76 | $0.00 | $0.00 | $720.05 | 8/25/2018 | $341.75 | $369.30 | $0.00 | $0.00 | $711.05 | 9/25/2018 | $316.85 | $394.20 | $0.00 | $0.00 | $711.05 | 10/25/2018 | $279.88 | $432.12 | $0.00 | $0.00 | $712.00 | 11/25/2018 | $229.16 | $456.89 | $0.00 | $0.00 | $686.05 | 12/25/2018 | $358.47 | $351.58 | $0.00 | $0.00 | $710.05 | 1/25/2019 | $309.88 | $376.17 | $0.00 | $0.00 | $686.05 | 2/25/2019 | $233.67 | $452.38 | $0.00 | $0.00 | $686.05 | 3/25/2019 | $349.04 | $360.96 | $0.00 | $0.00 | $710.00 | 4/25/2019 | $326.49 | $359.56 | $0.00 | $0.00 | $686.05 | 5/25/2019 | $340.81 | $358.24 | $0.00 | $0.00 | $699.05 | 6/25/2019 | $239.96 | $446.09 | $0.00 | $0.00 | $686.05 | 7/25/2019 | $344.10 | $355.90 | $0.00 | $0.00 | $700.00 | 8/25/2019 | $242.90 | $443.15 | $0.00 | $0.00 | $686.05 | 9/25/2019 | $332.51 | $353.54 | $0.00 | $0.00 | $686.05 | 10/25/2019 | $333.85 | $352.20 | $0.00 | $0.00 | $686.05 | 11/25/2019 | $247.48 | $438.57 | $0.00 | $0.00 | $686.05 | 12/25/2019 | $336.19 | $349.86 | $0.00 | $0.00 | $686.05 | 1/25/2020 | $325.80 | $360.25 | $0.00 | $0.00 | $686.05 | 2/25/2020 | $265.61 | $420.44 | $0.00 | $0.00 | $686.05 | 3/25/2020 | $364.87 | $345.18 | $0.00 | $0.00 | $710.05 | 4/25/2020 | $356.29 | $343.71 | $0.00 | $0.00 | $700.00 | 5/25/2020 | $345.50 | $354.50 | $0.00 | $0.00 | $700.00 | 6/25/2020 | $286.11 | $413.94 | $0.00 | $0.00 | $700.05 | 7/25/2020 | $362.25 | $339.75 | $0.00 | $0.00 | $702.00 | 8/25/2020 | $251.11 | $434.94 | $0.00 | $0.00 | $686.05 | 9/25/2020 | $370.82 | $325.23 | $0.00 | $0.00 | $696.05 | 10/25/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.02 | 1.01 | 1.01 |  | 11/5/2020 |
| 3158538081 | 36 | XXX | XXX | XXX | NY | XXXX | $172144.07 | 4.500% | Completed | Clayton | Current | $172278.52 | $0.00 | $0.00 | Missing | $1526.10 | $791.42 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 8/31/2020 | 9/30/2020 | $0.00 | $556.02 | $0.00 | $0.00 | $556.02 | 12/1/2017 | $0.00 | $574.57 | $0.00 | $0.00 | $574.57 | 1/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/1/2018 | $947.90 | $1158.67 | $0.00 | $0.00 | $2106.57 | 2/1/2018 | $500.00 | $0.00 | $0.00 | $0.00 | $500.00 | 3/1/2018 | $390.65 | $610.27 | $0.00 | $0.00 | $1000.92 | 4/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/1/2018 | $413.10 | $86.90 | $0.00 | $0.00 | $500.00 | 4/1/2018 | $1191.67 | $1089.60 | $0.00 | $0.00 | $2281.27 | 6/1/2018 | $1059.98 | $1250.47 | $0.00 | $0.00 | $2310.45 | 7/1/2018 | $750.55 | $644.19 | $896.86 | $0.00 | $2291.60 | 8/1/2018 | $750.55 | $672.05 | $896.86 | $0.00 | $2319.46 | 9/1/2018 | $750.55 | $672.05 | $896.86 | $0.00 | $2319.46 | 10/1/2018 | $750.55 | $12.58 | $751.93 | $0.00 | $1515.06 | 11/1/2018 | $714.57 | $655.56 | $144.93 | $0.00 | $1515.06 | 12/1/2018 | $698.00 | $121.52 | $695.54 | $0.00 | $1515.06 | 3/1/2019 | $499.35 | $791.42 | $1683.15 | $0.00 | $2973.92 | 4/1/2019 | $230.95 | $560.47 | $714.05 | $0.00 | $1505.47 | 5/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2019 | $247.68 | $1335.16 | $1428.10 | $0.00 | $3010.94 | 7/1/2019 | $124.64 | $666.78 | $749.54 | $0.00 | $1540.96 | 8/1/2019 | $146.69 | $644.73 | $749.54 | $0.00 | $1540.96 | 9/1/2019 | $125.68 | $665.74 | $749.54 | $0.00 | $1540.96 | 10/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/1/2019 | $274.36 | $1308.48 | $1499.08 | $0.00 | $3081.92 | 12/1/2019 | $148.62 | $642.80 | $749.54 | $0.00 | $1540.96 | 1/1/2020 | $127.79 | $663.63 | $749.54 | $0.00 | $1540.96 | 2/1/2020 | $128.90 | $662.52 | $749.54 | $0.00 | $1540.96 | 3/1/2020 | $130.61 | $660.81 | $749.54 | $0.00 | $1540.96 | 4/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/1/2020 | $173.74 | $617.68 | $749.54 | $0.00 | $1540.96 | 5/1/2020 | $131.64 | $659.78 | $749.54 | $0.00 | $1540.96 | 6/1/2020 | $174.77 | $616.65 | $749.54 | $0.00 | $1540.96 | 7/1/2020 | $266.20 | $1316.64 | $1469.36 | $0.00 | $3052.20 | 9/1/2020 | $133.90 | $657.52 | $734.68 | $0.00 | $1526.10 | 10/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/1/2020 |  |  |  |  | 000001222111112000000000000000000000 | 000001222111112000000000000000000000 | TRUE | 6 | 4 | 0 | 0 | 1.00 | 1.00 | 1.05 | • A loan modification was completed in January 2019. | 11/5/2020 |
| 3158538342 | 36 | XXX | XXX | XXX | AZ | XXXX | $83216.96 | 5.250% | Completed | Clayton | Current | $83597.55 | $0.00 | $0.00 | Missing | $740.33 | $740.33 | No | $0.00 | $0.00 | 9/4/2020 | 10/4/2020 | 9/4/2020 | 9/30/2020 | $312.08 | $428.25 | $0.00 | $0.00 | $740.33 | 11/4/2017 | $313.51 | $426.82 | $0.00 | $0.00 | $740.33 | 12/4/2017 | $342.36 | $397.97 | $0.00 | $0.00 | $740.33 | 1/4/2018 | $302.72 | $437.61 | $0.00 | $0.00 | $740.33 | 2/4/2018 | $317.79 | $422.54 | $0.00 | $0.00 | $740.33 | 3/4/2018 | $359.91 | $380.42 | $0.00 | $0.00 | $740.33 | 4/4/2018 | $320.76 | $419.57 | $0.00 | $0.00 | $740.33 | 5/4/2018 | $335.73 | $404.60 | $0.00 | $0.00 | $740.33 | 6/4/2018 | $337.17 | $403.16 | $0.00 | $0.00 | $740.33 | 7/4/2018 | $325.20 | $415.13 | $0.00 | $0.00 | $740.33 | 8/4/2018 | $326.69 | $413.64 | $0.00 | $0.00 | $740.33 | 9/4/2018 | $328.15 | $412.18 | $0.00 | $0.00 | $740.33 | 10/4/2018 | $342.86 | $397.47 | $0.00 | $0.00 | $740.33 | 11/4/2018 | $331.25 | $409.19 | $0.00 | $0.00 | $740.44 | 12/4/2018 | $345.77 | $394.56 | $0.00 | $0.00 | $740.33 | 1/4/2019 | $334.16 | $406.17 | $0.00 | $0.00 | $740.33 | 2/4/2019 | $348.70 | $391.63 | $0.00 | $0.00 | $740.33 | 3/4/2019 | $376.17 | $364.16 | $0.00 | $0.00 | $740.33 | 4/4/2019 | $325.87 | $414.46 | $0.00 | $0.00 | $740.33 | 5/4/2019 | $353.24 | $387.09 | $0.00 | $0.00 | $740.33 | 6/4/2019 | $341.91 | $398.42 | $0.00 | $0.00 | $740.33 | 7/4/2019 | $356.24 | $384.09 | $0.00 | $0.00 | $740.33 | 8/4/2019 | $345.02 | $395.31 | $0.00 | $0.00 | $740.33 | 9/4/2019 | $346.56 | $393.77 | $0.00 | $0.00 | $740.33 | 10/4/2019 | $360.76 | $379.57 | $0.00 | $0.00 | $740.33 | 11/4/2019 | $362.32 | $378.01 | $0.00 | $0.00 | $740.33 | 12/4/2019 | $351.27 | $389.06 | $0.00 | $0.00 | $740.33 | 1/4/2020 | $353.00 | $387.33 | $0.00 | $0.00 | $740.33 | 2/4/2020 | $355.53 | $384.80 | $0.00 | $0.00 | $740.33 | 3/4/2020 | $381.83 | $358.50 | $0.00 | $0.00 | $740.33 | 4/4/2020 | $358.80 | $381.53 | $0.00 | $0.00 | $740.33 | 5/4/2020 | $384.91 | $355.42 | $0.00 | $0.00 | $740.33 | 6/4/2020 | $349.86 | $390.47 | $0.00 | $0.00 | $740.33 | 7/4/2020 | $375.81 | $364.52 | $0.00 | $0.00 | $740.33 | 8/4/2020 | $365.34 | $374.99 | $0.00 | $0.00 | $740.33 | 9/4/2020 | $366.96 | $373.37 | $0.00 | $0.00 | $740.33 | 10/4/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158538359 | 36 | XXX | XXX | XXX | MI | XXXX | $67445.53 | 5.250% | Completed | Clayton | Current | $67887.51 | $0.00 | $0.00 | Missing | $695.16 | $695.16 | No | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/8/2020 | 9/30/2020 | $333.75 | $361.41 | $0.00 | $0.00 | $695.16 | 11/1/2017 | $346.85 | $348.31 | $0.00 | $0.00 | $695.16 | 12/1/2017 | $348.35 | $346.81 | $0.00 | $0.00 | $695.16 | 1/1/2018 | $326.82 | $368.34 | $0.00 | $0.00 | $695.16 | 2/1/2018 | $339.80 | $355.36 | $0.00 | $0.00 | $695.16 | 3/1/2018 | $375.56 | $319.60 | $0.00 | $0.00 | $695.16 | 4/1/2018 | $183.94 | $511.22 | $0.00 | $0.00 | $695.16 | 5/1/2018 | $513.82 | $181.34 | $0.00 | $0.00 | $695.16 | 6/1/2018 | $256.02 | $439.14 | $0.00 | $0.00 | $695.16 | 7/1/2018 | $448.21 | $246.95 | $0.00 | $0.00 | $695.16 | 8/1/2018 | $360.39 | $334.77 | $0.00 | $0.00 | $695.16 | 9/1/2018 | $317.52 | $377.64 | $0.00 | $0.00 | $695.16 | 10/1/2018 | $396.50 | $298.66 | $0.00 | $0.00 | $695.16 | 11/1/2018 | $354.03 | $341.13 | $0.00 | $0.00 | $695.16 | 12/1/2018 | $333.70 | $361.46 | $0.00 | $0.00 | $695.16 | 1/1/2019 | $389.81 | $305.35 | $0.00 | $0.00 | $695.16 | 2/1/2019 | $337.08 | $358.08 | $0.00 | $0.00 | $695.16 | 3/1/2019 | $392.69 | $302.47 | $0.00 | $0.00 | $695.16 | 4/1/2019 | $351.28 | $343.88 | $0.00 | $0.00 | $695.16 | 5/1/2019 | $385.04 | $310.12 | $0.00 | $0.00 | $695.16 | 6/1/2019 | $386.65 | $308.51 | $0.00 | $0.00 | $695.16 | 7/1/2019 | $345.81 | $349.35 | $0.00 | $0.00 | $695.16 | 8/1/2019 | $379.17 | $315.99 | $0.00 | $0.00 | $695.16 | 9/1/2019 | $370.32 | $324.84 | $0.00 | $0.00 | $695.16 | 10/1/2019 | $371.98 | $323.18 | $0.00 | $0.00 | $695.16 | 11/1/2019 | $384.01 | $311.15 | $0.00 | $0.00 | $695.16 | 12/1/2019 | $375.29 | $319.87 | $0.00 | $0.00 | $695.16 | 1/1/2020 | $346.40 | $348.76 | $0.00 | $0.00 | $695.16 | 2/1/2020 | $409.99 | $285.17 | $0.00 | $0.00 | $695.16 | 3/1/2020 | $371.12 | $324.04 | $0.00 | $0.00 | $695.16 | 4/1/2020 | $372.84 | $322.32 | $0.00 | $0.00 | $695.16 | 5/1/2020 | $444.67 | $250.49 | $0.00 | $0.00 | $695.16 | 6/1/2020 | $346.66 | $348.50 | $0.00 | $0.00 | $695.16 | 7/1/2020 | $388.03 | $307.13 | $0.00 | $0.00 | $695.16 | 8/1/2020 | $429.20 | $265.96 | $0.00 | $0.00 | $695.16 | 9/1/2020 | $352.56 | $342.60 | $0.00 | $0.00 | $695.16 | 10/1/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158538396 | 36 | XXX | XXX | XXX | OH | XXXX | $57380.52 | 5.250% | Completed | Clayton | Current | $57585.01 | $0.00 | $0.00 | Missing | $452.30 | $452.30 | No | $0.00 | $0.00 | 9/15/2020 | 10/15/2020 | 9/15/2020 | 9/30/2020 | $175.08 | $277.22 | $0.00 | $0.00 | $452.30 | 11/15/2017 | $166.60 | $285.70 | $0.00 | $0.00 | $452.30 | 12/15/2017 | $176.55 | $275.75 | $0.00 | $0.00 | $452.30 | 1/15/2018 | $177.32 | $274.98 | $0.00 | $0.00 | $452.30 | 2/15/2018 | $159.77 | $292.53 | $0.00 | $0.00 | $452.30 | 3/15/2018 | $197.01 | $255.29 | $0.00 | $0.00 | $452.30 | 4/15/2018 | $170.53 | $281.77 | $0.00 | $0.00 | $452.30 | 5/15/2018 | $180.34 | $271.96 | $0.00 | $0.00 | $452.30 | 6/15/2018 | $172.09 | $280.21 | $0.00 | $0.00 | $452.30 | 7/15/2018 | $181.88 | $270.42 | $0.00 | $0.00 | $452.30 | 8/15/2018 | $173.65 | $278.65 | $0.00 | $0.00 | $452.30 | 9/15/2018 | $174.45 | $277.85 | $0.00 | $0.00 | $452.30 | 10/15/2018 | $193.10 | $259.20 | $0.00 | $0.00 | $452.30 | 11/15/2018 | $167.24 | $285.15 | $0.00 | $0.00 | $452.39 | 12/15/2018 | $185.73 | $266.57 | $0.00 | $0.00 | $452.30 | 1/15/2019 | $177.66 | $274.64 | $0.00 | $0.00 | $452.30 | 2/15/2019 | $178.45 | $273.85 | $0.00 | $0.00 | $452.30 | 3/15/2019 | $205.68 | $246.62 | $0.00 | $0.00 | $452.30 | 4/15/2019 | $188.94 | $263.36 | $0.00 | $0.00 | $452.30 | 5/15/2019 | $180.98 | $271.32 | $0.00 | $0.00 | $452.30 | 6/15/2019 | $181.82 | $270.48 | $0.00 | $0.00 | $452.30 | 7/15/2019 | $200.03 | $252.27 | $0.00 | $0.00 | $452.30 | 8/15/2019 | $174.82 | $277.48 | $0.00 | $0.00 | $452.30 | 9/15/2019 | $184.30 | $268.00 | $0.00 | $0.00 | $452.30 | 10/15/2019 | $193.74 | $258.56 | $0.00 | $0.00 | $452.30 | 11/15/2019 | $185.98 | $266.32 | $0.00 | $0.00 | $452.30 | 12/15/2019 | $195.38 | $256.92 | $0.00 | $0.00 | $452.30 | 1/15/2020 | $188.01 | $264.29 | $0.00 | $0.00 | $452.30 | 2/15/2020 | $189.24 | $263.06 | $0.00 | $0.00 | $452.30 | 3/15/2020 | $207.01 | $245.29 | $0.00 | $0.00 | $452.30 | 4/15/2020 | $191.00 | $261.30 | $0.00 | $0.00 | $452.30 | 5/15/2020 | $200.26 | $252.04 | $0.00 | $0.00 | $452.30 | 6/15/2020 | $201.12 | $251.18 | $0.00 | $0.00 | $452.30 | 7/15/2020 | $193.61 | $258.69 | $0.00 | $0.00 | $452.30 | 8/15/2020 | $194.50 | $257.80 | $0.00 | $0.00 | $452.30 | 9/15/2020 | $195.37 | $256.93 | $0.00 | $0.00 | $452.30 | 10/15/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158538479 | 36 | XXX | XXX | XXX | MI | XXXX | $98009.58 | 5.250% | Completed | Clayton | Current | $98009.58 | $0.00 | $0.00 | Missing | $718.96 | $718.96 | No | $0.00 | $0.00 | 9/21/2020 | 10/21/2020 | 9/15/2020 | 9/30/2020 | $269.11 | $449.85 | $0.00 | $0.00 | $718.96 | 11/21/2017 | $301.18 | $417.78 | $0.00 | $0.00 | $718.96 | 12/21/2017 | $194.34 | $524.62 | $0.00 | $0.00 | $718.96 | 1/21/2018 | $272.29 | $446.67 | $0.00 | $0.00 | $718.96 | 2/21/2018 | $227.35 | $491.61 | $0.00 | $0.00 | $718.96 | 3/21/2018 | $243.72 | $475.24 | $0.00 | $0.00 | $718.96 | 4/21/2018 | $275.40 | $443.56 | $0.00 | $0.00 | $718.96 | 5/21/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/21/2018 | $553.64 | $884.28 | $0.00 | $0.00 | $1437.92 | 7/21/2018 | $385.09 | $333.87 | $0.00 | $0.00 | $718.96 | 8/21/2018 | $53.66 | $665.30 | $0.00 | $0.00 | $718.96 | 9/21/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/21/2018 | $532.29 | $905.63 | $0.00 | $0.00 | $1437.92 | 11/21/2018 | $252.84 | $466.12 | $0.00 | $0.00 | $718.96 | 12/21/2018 | $313.96 | $405.00 | $0.00 | $0.00 | $718.96 | 1/21/2019 | $210.50 | $508.46 | $0.00 | $0.00 | $718.96 | 2/21/2019 | $286.15 | $432.81 | $0.00 | $0.00 | $718.96 | 3/21/2019 | $302.23 | $416.73 | $0.00 | $0.00 | $718.96 | 4/21/2019 | $258.92 | $460.04 | $0.00 | $0.00 | $718.96 | 5/21/2019 | $245.28 | $473.68 | $0.00 | $0.00 | $718.96 | 6/21/2019 | $275.94 | $443.02 | $0.00 | $0.00 | $718.96 | 7/21/2019 | $262.40 | $456.56 | $0.00 | $0.00 | $718.96 | 8/21/2019 | $248.89 | $470.07 | $0.00 | $0.00 | $718.96 | 9/21/2019 | $293.99 | $424.97 | $0.00 | $0.00 | $718.96 | 10/21/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/21/2019 | $236.72 | $482.24 | $0.00 | $0.00 | $718.96 | 11/21/2019 | $651.79 | $786.13 | $0.00 | $0.00 | $1437.92 | 1/21/2020 | $198.64 | $520.32 | $0.00 | $0.00 | $718.96 | 2/21/2020 | $315.31 | $403.65 | $0.00 | $0.00 | $718.96 | 3/21/2020 | $417.18 | $301.78 | $0.00 | $0.00 | $718.96 | 4/21/2020 | $404.12 | $314.84 | $0.00 | $0.00 | $718.96 | 5/21/2020 | $262.86 | $456.10 | $0.00 | $0.00 | $718.96 | 6/21/2020 | $249.86 | $469.10 | $0.00 | $0.00 | $718.96 | 7/21/2020 | $151.75 | $567.21 | $0.00 | $0.00 | $718.96 | 8/21/2020 | $322.55 | $396.41 | $0.00 | $0.00 | $718.96 | 9/21/2020 | $366.18 | $352.78 | $0.00 | $0.00 | $718.96 | 10/21/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.04 |  | 11/5/2020 |
| 3158538633 | 36 | XXX | XXX | XXX | MI | XXXX | $40937.24 | 5.250% | Completed | Clayton | Current | $40937.24 | $0.00 | $0.00 | Missing | $334.32 | $334.32 | No | $0.00 | $0.00 | 9/25/2020 | 10/25/2020 | 9/25/2020 | 9/30/2020 | $128.79 | $205.53 | $0.00 | $0.00 | $334.32 | 11/25/2017 | $129.38 | $204.94 | $0.00 | $0.00 | $334.32 | 12/25/2017 | $143.15 | $191.17 | $0.00 | $0.00 | $334.32 | 1/25/2018 | $123.99 | $210.33 | $0.00 | $0.00 | $334.32 | 2/25/2018 | $131.15 | $203.17 | $0.00 | $0.00 | $334.32 | 3/25/2018 | $151.32 | $183.00 | $0.00 | $0.00 | $334.32 | 4/25/2018 | $132.39 | $201.93 | $0.00 | $0.00 | $334.32 | 5/25/2018 | $139.50 | $194.82 | $0.00 | $0.00 | $334.32 | 6/25/2018 | $140.09 | $194.23 | $0.00 | $0.00 | $334.32 | 7/25/2018 | $134.23 | $200.09 | $0.00 | $0.00 | $334.32 | 8/25/2018 | $134.85 | $199.47 | $0.00 | $0.00 | $334.32 | 9/25/2018 | $135.45 | $198.87 | $0.00 | $0.00 | $334.32 | 10/25/2018 | $142.45 | $191.87 | $0.00 | $0.00 | $334.32 | 11/25/2018 | $136.78 | $197.64 | $0.00 | $0.00 | $334.42 | 12/25/2018 | $143.66 | $190.66 | $0.00 | $0.00 | $334.32 | 1/25/2019 | $137.94 | $196.38 | $0.00 | $0.00 | $334.32 | 2/25/2019 | $144.86 | $189.46 | $0.00 | $0.00 | $334.32 | 3/25/2019 | $158.07 | $176.25 | $0.00 | $0.00 | $334.32 | 4/25/2019 | $133.60 | $200.72 | $0.00 | $0.00 | $334.32 | 5/25/2019 | $146.76 | $187.56 | $0.00 | $0.00 | $334.32 | 6/25/2019 | $141.15 | $193.17 | $0.00 | $0.00 | $334.32 | 7/25/2019 | $147.99 | $186.33 | $0.00 | $0.00 | $334.32 | 8/25/2019 | $142.45 | $191.87 | $0.00 | $0.00 | $334.32 | 9/25/2019 | $143.08 | $191.24 | $0.00 | $0.00 | $334.32 | 10/25/2019 | $149.86 | $184.46 | $0.00 | $0.00 | $334.32 | 11/25/2019 | $150.51 | $183.81 | $0.00 | $0.00 | $334.32 | 12/25/2019 | $145.04 | $189.28 | $0.00 | $0.00 | $334.32 | 1/25/2020 | $146.10 | $188.22 | $0.00 | $0.00 | $334.32 | 2/25/2020 | $146.87 | $187.45 | $0.00 | $0.00 | $334.32 | 3/25/2020 | $159.57 | $174.75 | $0.00 | $0.00 | $334.32 | 4/25/2020 | $148.23 | $186.09 | $0.00 | $0.00 | $334.32 | 5/25/2020 | $160.85 | $173.47 | $0.00 | $0.00 | $334.32 | 6/25/2020 | $143.62 | $190.70 | $0.00 | $0.00 | $334.32 | 7/25/2020 | $156.18 | $178.14 | $0.00 | $0.00 | $334.32 | 8/25/2020 | $150.94 | $183.38 | $0.00 | $0.00 | $334.32 | 9/25/2020 | $151.61 | $182.71 | $0.00 | $0.00 | $334.32 | 10/25/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158538669 | 36 | XXX | XXX | XXX | FL | XXXX | $60720.32 | 5.250% | Completed | Clayton | Current | $61318.47 | $0.00 | $0.00 | Missing | $905.05 | $905.05 | No | $0.00 | $0.00 | 8/15/2020 | 9/15/2020 | 9/16/2020 | 9/30/2020 | $553.18 | $352.63 | $0.00 | $0.00 | $905.81 | 11/15/2017 | $543.82 | $361.99 | $0.00 | $0.00 | $905.81 | 12/15/2017 | $557.91 | $347.90 | $0.00 | $0.00 | $905.81 | 1/15/2018 | $560.32 | $345.49 | $0.00 | $0.00 | $905.81 | 2/15/2018 | $539.79 | $366.02 | $0.00 | $0.00 | $905.81 | 3/15/2018 | $587.78 | $318.03 | $0.00 | $0.00 | $905.81 | 4/15/2018 | $556.33 | $349.48 | $0.00 | $0.00 | $905.81 | 5/15/2018 | $569.93 | $335.88 | $0.00 | $0.00 | $905.81 | 6/15/2018 | $561.35 | $344.46 | $0.00 | $0.00 | $905.81 | 7/15/2018 | $574.89 | $330.92 | $0.00 | $0.00 | $905.81 | 8/15/2018 | $566.33 | $339.48 | $0.00 | $0.00 | $905.81 | 9/15/2018 | $568.95 | $336.86 | $0.00 | $0.00 | $905.81 | 10/15/2018 | $593.05 | $312.76 | $0.00 | $0.00 | $905.81 | 11/15/2018 | $563.60 | $342.47 | $0.00 | $0.00 | $906.07 | 12/15/2018 | $587.25 | $318.56 | $0.00 | $0.00 | $905.81 | 1/15/2019 | $579.26 | $326.55 | $0.00 | $0.00 | $905.81 | 2/15/2019 | $581.84 | $323.97 | $0.00 | $0.00 | $905.81 | 3/15/2019 | $615.54 | $290.27 | $0.00 | $0.00 | $905.81 | 4/15/2019 | $597.45 | $308.36 | $0.00 | $0.00 | $905.81 | 5/15/2019 | $589.76 | $316.05 | $0.00 | $0.00 | $905.81 | 6/15/2019 | $592.47 | $313.34 | $0.00 | $0.00 | $905.81 | 7/15/2019 | $615.16 | $290.65 | $0.00 | $0.00 | $905.81 | 8/15/2019 | $587.84 | $317.97 | $0.00 | $0.00 | $905.81 | 9/15/2019 | $600.48 | $305.33 | $0.00 | $0.00 | $905.81 | 10/15/2019 | $612.91 | $292.90 | $0.00 | $0.00 | $905.81 | 11/15/2019 | $605.89 | $299.92 | $0.00 | $0.00 | $905.81 | 12/15/2019 | $618.18 | $287.63 | $0.00 | $0.00 | $905.81 | 1/15/2020 | $611.71 | $294.10 | $0.00 | $0.00 | $905.81 | 2/15/2020 | $614.87 | $290.94 | $0.00 | $0.00 | $905.81 | 3/15/2020 | $636.20 | $269.61 | $0.00 | $0.00 | $905.81 | 4/15/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/15/2020 | $298.43 | $607.57 | $0.00 | $0.00 | $906.00 | 5/15/2020 | $658.60 | $247.40 | $0.00 | $0.00 | $906.00 | 6/15/2020 | $633.95 | $272.05 | $0.00 | $0.00 | $906.00 | 7/15/2020 | $618.72 | $287.28 | $0.00 | $0.00 | $906.00 | 8/15/2020 | $648.23 | $257.77 | $0.00 | $0.00 | $906.00 | 9/15/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 0.83 | 0.92 | 0.96 |  | 11/5/2020 |
| 3158538860 | 36 | XXX | XXX | XXX | OH | XXXX | $82444.33 | 8.550% | Completed | Clayton | Current | $82872.26 | $0.00 | $0.00 | Missing | $969.59 | $969.59 | No | $0.00 | $0.00 | 9/20/2020 | 10/20/2020 | 9/18/2020 | 9/30/2020 | $277.92 | $692.08 | $0.00 | $0.00 | $970.00 | 10/20/2017 | $257.61 | $712.39 | $0.00 | $0.00 | $970.00 | 11/20/2017 | $304.01 | $665.99 | $0.00 | $0.00 | $970.00 | 12/20/2017 | $328.27 | $641.73 | $0.00 | $0.00 | $970.00 | 1/20/2018 | $308.37 | $661.63 | $0.00 | $0.00 | $970.00 | 2/20/2018 | $486.46 | $483.54 | $0.00 | $0.00 | $970.00 | 3/20/2018 | $270.30 | $699.70 | $0.00 | $0.00 | $970.00 | 4/20/2018 | $341.46 | $828.54 | $0.00 | $0.00 | $1170.00 | 6/20/2018 | $649.00 | $391.00 | $0.00 | $0.00 | $1040.00 | 7/20/2018 | $258.03 | $711.97 | $0.00 | $0.00 | $970.00 | 8/20/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/20/2018 | $427.81 | $1527.19 | $0.00 | $50.00 | $2005.00 | 10/20/2018 | $370.54 | $599.46 | $0.00 | $0.00 | $970.00 | 11/20/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 11/20/2018 | $617.17 | $1322.01 | $0.00 | $25.00 | $1964.18 | 1/20/2019 | $440.55 | $529.45 | $0.00 | $0.00 | $970.00 | 2/20/2019 | $274.53 | $695.47 | $0.00 | $0.00 | $970.00 | 3/20/2019 | $381.64 | $588.36 | $0.00 | $0.00 | $970.00 | 4/20/2019 | $195.82 | $774.18 | $0.00 | $0.00 | $970.00 | 5/20/2019 | $468.99 | $501.01 | $0.00 | $0.00 | $970.00 | 6/20/2019 | $243.21 | $726.79 | $0.00 | $0.00 | $970.00 | 7/20/2019 | $307.33 | $662.67 | $0.00 | $0.00 | $970.00 | 8/20/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/20/2019 | $0.08 | $969.92 | $0.00 | $0.00 | $970.00 | 9/20/2019 | $206.45 | $763.55 | $0.00 | $0.00 | $970.00 | 10/20/2019 | $167.07 | $802.93 | $0.00 | $0.00 | $970.00 | 11/20/2019 | $1651.49 | $287.69 | $0.00 | $0.00 | $1939.18 | 1/20/2020 | $245.16 | $724.84 | $0.00 | $0.00 | $970.00 | 2/20/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/20/2020 | $536.91 | $1403.09 | $0.00 | $0.00 | $1940.00 | 4/20/2020 | $551.06 | $418.53 | $0.00 | $0.00 | $969.59 | 5/20/2020 | $415.19 | $554.40 | $0.00 | $0.00 | $969.59 | 6/20/2020 | $300.15 | $669.85 | $0.00 | $0.00 | $970.00 | 7/20/2020 | $400.77 | $569.23 | $0.00 | $0.00 | $970.00 | 8/20/2020 | $383.86 | $586.14 | $0.00 | $0.00 | $970.00 | 9/20/2020 | $366.79 | $602.80 | $0.00 | $0.00 | $969.59 | 10/20/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.08 | 1.00 |  | 11/5/2020 |
| 3158538863 | 36 | XXX | XXX | XXX | OH | XXXX | $145252.49 | 3.500% | Completed | Clayton | Current | $145402.25 | $0.00 | $0.00 | Missing | $1168.66 | $581.24 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/11/2020 | 9/30/2020 | $0.00 | $551.66 | $0.00 | $0.00 | $551.66 | 11/10/2017 | $0.00 | $516.07 | $0.00 | $0.00 | $516.07 | 12/10/2017 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/10/2017 | $413.15 | $569.45 | $0.00 | $0.00 | $982.60 | 1/10/2018 | $447.75 | $534.85 | $0.00 | $0.00 | $982.60 | 2/10/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/10/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2018 | $581.24 | $0.00 | $405.68 | $0.00 | $986.92 | 6/1/2018 | $6.30 | $574.94 | $405.68 | $0.00 | $986.92 | 7/1/2018 | $151.31 | $429.93 | $385.78 | $0.00 | $967.02 | 8/1/2018 | $137.11 | $444.13 | $385.78 | $0.00 | $967.02 | 9/1/2018 | $137.56 | $443.68 | $385.78 | $0.00 | $967.02 | 10/1/2018 | $137.91 | $443.33 | $385.78 | $0.00 | $967.02 | 11/1/2018 | $152.55 | $428.69 | $385.78 | $0.00 | $967.02 | 12/1/2018 | $138.69 | $442.55 | $385.78 | $0.00 | $967.02 | 1/1/2019 | $153.42 | $427.82 | $385.78 | $0.00 | $967.02 | 2/1/2019 | $139.54 | $441.70 | $385.78 | $0.00 | $967.02 | 3/1/2019 | $154.24 | $427.00 | $385.78 | $0.00 | $967.02 | 4/1/2019 | $183.09 | $398.15 | $385.78 | $0.00 | $967.02 | 5/1/2019 | $126.66 | $454.58 | $385.78 | $0.00 | $967.02 | 6/1/2019 | $155.60 | $425.64 | $385.78 | $0.00 | $967.02 | 7/1/2019 | $141.79 | $439.45 | $385.78 | $0.00 | $967.02 | 8/1/2019 | $156.41 | $424.83 | $385.78 | $0.00 | $967.02 | 9/1/2019 | $142.69 | $438.55 | $455.39 | $0.00 | $1036.63 | 10/1/2019 | $143.16 | $438.08 | $455.39 | $0.00 | $1036.63 | 11/1/2019 | $157.76 | $423.48 | $455.39 | $0.00 | $1036.63 | 12/1/2019 | $158.11 | $423.13 | $455.39 | $0.00 | $1036.63 | 1/1/2020 | $144.52 | $436.72 | $455.39 | $0.00 | $1036.63 | 2/1/2020 | $145.31 | $435.93 | $455.39 | $0.00 | $1036.63 | 3/1/2020 | $146.55 | $434.69 | $455.39 | $0.00 | $1036.63 | 4/1/2020 | $174.99 | $406.25 | $455.39 | $0.00 | $1036.63 | 5/1/2020 | $147.42 | $433.82 | $455.39 | $0.00 | $1036.63 | 6/1/2020 | $175.90 | $405.34 | $455.39 | $0.00 | $1036.63 | 7/1/2020 | $134.42 | $446.82 | $455.39 | $0.00 | $1036.63 | 8/1/2020 | $162.84 | $418.40 | $587.42 | $0.00 | $1168.66 | 9/1/2020 | $149.29 | $431.95 | $587.42 | $0.00 | $1168.66 | 10/1/2020 |  |  |  |  | 000112000000000000000000000000000000 | 000112000000000000000000000000000000 | TRUE | 2 | 1 | 0 | 0 | 1.00 | 1.00 | 1.00 | • A loan modification was completed in April 2018. | 11/5/2020 |
| 3158538866 | 36 | XXX | XXX | XXX | IL | XXXX | $148030.54 | 6.900% | Completed | Clayton | Current | $148428.95 | $0.00 | $0.00 | Missing | $1209.91 | $1209.91 | No | $0.00 | $0.00 | 9/10/2020 | 10/10/2020 | 9/11/2020 | 9/30/2020 | $242.44 | $967.47 | $0.00 | $0.00 | $1209.91 | 11/10/2017 | $304.28 | $905.63 | $0.00 | $0.00 | $1209.91 | 12/10/2017 | $336.14 | $873.77 | $0.00 | $0.00 | $1209.91 | 1/10/2018 | $277.84 | $932.07 | $0.00 | $0.00 | $1209.91 | 2/10/2018 | $279.47 | $930.44 | $0.00 | $0.00 | $1209.91 | 3/10/2018 | $430.92 | $778.99 | $0.00 | $0.00 | $1209.91 | 4/10/2018 | $0.00 | $1209.91 | $0.00 | $0.00 | $1209.91 | 5/10/2018 | $537.39 | $672.52 | $0.00 | $0.00 | $1209.91 | 6/10/2018 | $346.35 | $863.56 | $0.00 | $0.00 | $1209.91 | 7/10/2018 | $229.39 | $980.52 | $0.00 | $0.00 | $1209.91 | 8/10/2018 | $379.16 | $830.75 | $0.00 | $0.00 | $1209.91 | 9/10/2018 | $144.39 | $1065.52 | $0.00 | $0.00 | $1209.91 | 10/10/2018 | $381.94 | $827.97 | $0.00 | $0.00 | $1209.91 | 11/10/2018 | $295.47 | $914.44 | $0.00 | $0.00 | $1209.91 | 12/10/2018 | $297.20 | $912.71 | $0.00 | $0.00 | $1209.91 | 1/10/2019 | $210.78 | $999.13 | $0.00 | $0.00 | $1209.91 | 2/10/2019 | $94.71 | $1115.20 | $0.00 | $0.00 | $1209.91 | 3/10/2019 | $652.67 | $557.24 | $0.00 | $0.00 | $1209.91 | 4/10/2019 | $392.17 | $817.74 | $0.00 | $0.00 | $1209.91 | 5/10/2019 | $306.85 | $903.06 | $0.00 | $0.00 | $1209.91 | 6/10/2019 | $279.58 | $930.33 | $0.00 | $0.00 | $1209.91 | 7/10/2019 | $397.35 | $812.56 | $0.00 | $0.00 | $1209.91 | 8/10/2019 | $341.56 | $868.35 | $0.00 | $0.00 | $1209.91 | 9/10/2019 | $141.34 | $1068.57 | $0.00 | $0.00 | $1209.91 | 10/10/2019 | $402.01 | $807.90 | $0.00 | $0.00 | $1209.91 | 11/10/2019 | $289.02 | $920.89 | $0.00 | $0.00 | $1209.91 | 12/10/2019 | $578.00 | $631.91 | $0.00 | $0.00 | $1209.91 | 1/10/2020 | $123.37 | $1086.54 | $0.00 | $0.00 | $1209.91 | 2/10/2020 | $383.05 | $826.86 | $0.00 | $0.00 | $1209.91 | 3/10/2020 | $356.64 | $853.27 | $0.00 | $0.00 | $1209.91 | 4/10/2020 | $358.72 | $851.19 | $0.00 | $0.00 | $1209.91 | 5/10/2020 | $389.06 | $820.85 | $0.00 | $0.00 | $1209.91 | 6/10/2020 | $362.96 | $846.95 | $0.00 | $0.00 | $1209.91 | 7/10/2020 | $280.44 | $929.47 | $0.00 | $0.00 | $1209.91 | 8/10/2020 | $366.60 | $843.31 | $0.00 | $0.00 | $1209.91 | 9/10/2020 | $312.51 | $897.40 | $0.00 | $0.00 | $1209.91 | 10/10/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158539018 | 36 | XXX | XXX | XXX | KY | XXXX | $95821.82 | 7.900% | Completed | Clayton | Current | $96108.04 | $0.00 | $0.00 | Missing | $887.81 | $887.81 | No | $0.00 | $0.00 | 9/5/2020 | 10/5/2020 | 9/5/2020 | 9/30/2020 | $210.85 | $676.96 | $0.00 | $0.00 | $887.81 | 11/5/2017 | $189.69 | $698.12 | $0.00 | $0.00 | $887.81 | 12/5/2017 | $213.41 | $674.40 | $0.00 | $0.00 | $887.81 | 1/5/2018 | $192.40 | $695.41 | $0.00 | $0.00 | $887.81 | 2/5/2018 | $216.08 | $671.73 | $0.00 | $0.00 | $887.81 | 3/5/2018 | $262.13 | $625.68 | $0.00 | $0.00 | $887.81 | 4/5/2018 | $174.56 | $713.25 | $0.00 | $0.00 | $887.81 | 5/5/2018 | $220.32 | $667.49 | $0.00 | $0.00 | $887.81 | 6/5/2018 | $199.55 | $688.26 | $0.00 | $0.00 | $887.81 | 7/5/2018 | $223.04 | $664.77 | $0.00 | $0.00 | $887.81 | 8/5/2018 | $202.39 | $685.42 | $0.00 | $0.00 | $887.81 | 9/5/2018 | $203.74 | $684.07 | $0.00 | $0.00 | $887.81 | 10/5/2018 | $227.13 | $660.68 | $0.00 | $0.00 | $887.81 | 11/5/2018 | $228.66 | $659.20 | $0.00 | $0.00 | $887.86 | 12/5/2018 | $208.12 | $679.69 | $0.00 | $0.00 | $887.81 | 1/5/2019 | $209.57 | $678.24 | $0.00 | $0.00 | $887.81 | 2/5/2019 | $210.97 | $676.84 | $0.00 | $0.00 | $887.81 | 3/5/2019 | $277.75 | $610.06 | $0.00 | $0.00 | $887.81 | 4/5/2019 | $214.25 | $673.56 | $0.00 | $0.00 | $887.81 | 5/5/2019 | $237.37 | $650.44 | $0.00 | $0.00 | $887.81 | 6/5/2019 | $217.28 | $670.53 | $0.00 | $0.00 | $887.81 | 7/5/2019 | $240.32 | $647.49 | $0.00 | $0.00 | $887.81 | 8/5/2019 | $241.88 | $645.93 | $0.00 | $0.00 | $887.81 | 9/5/2019 | $200.44 | $687.37 | $0.00 | $0.00 | $887.81 | 10/5/2019 | $244.75 | $643.06 | $0.00 | $0.00 | $887.81 | 11/5/2019 | $224.96 | $662.85 | $0.00 | $0.00 | $887.81 | 12/5/2019 | $247.81 | $640.00 | $0.00 | $0.00 | $887.81 | 1/5/2020 | $228.36 | $659.45 | $0.00 | $0.00 | $887.81 | 2/5/2020 | $231.46 | $656.35 | $0.00 | $0.00 | $887.81 | 3/5/2020 | $275.26 | $612.55 | $0.00 | $0.00 | $887.81 | 4/5/2020 | $234.85 | $652.96 | $0.00 | $0.00 | $887.81 | 5/5/2020 | $257.44 | $630.37 | $0.00 | $0.00 | $887.81 | 6/5/2020 | $238.14 | $649.67 | $0.00 | $0.00 | $887.81 | 7/5/2020 | $260.65 | $627.16 | $0.00 | $0.00 | $887.81 | 8/5/2020 | $241.48 | $646.33 | $0.00 | $0.00 | $887.81 | 9/5/2020 | $243.10 | $644.71 | $0.00 | $0.00 | $887.81 | 10/5/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158539044 | 36 | XXX | XXX | XXX | MI | XXXX | $90698.65 | 5.250% | Completed | Clayton | Current | $90698.65 | $0.00 | $0.00 | Missing | $655.47 | $655.47 | No | $0.00 | $0.00 | 9/18/2020 | 10/18/2020 | 9/30/2020 | 9/30/2020 | $0.00 | $341.00 | $0.00 | $0.00 | $341.00 | 10/18/2017 | $418.56 | $524.18 | $0.00 | $0.00 | $942.74 | 12/18/2017 | $252.57 | $389.30 | $70.42 | $0.00 | $712.29 | 1/18/2018 | $247.96 | $623.64 | $140.84 | $0.00 | $1012.44 | 2/18/2018 | $163.19 | $248.95 | $0.00 | $0.00 | $412.14 | 3/18/2018 | $319.90 | $551.80 | $140.84 | $0.00 | $1012.54 | 4/18/2018 | $164.34 | $247.70 | $0.00 | $0.00 | $412.04 | 5/18/2018 | $216.02 | $425.85 | $70.42 | $0.00 | $712.29 | 6/18/2018 | $66.20 | $575.67 | $70.42 | $0.00 | $712.29 | 7/18/2018 | $133.16 | $438.29 | $140.84 | $0.00 | $712.29 | 8/18/2018 | $217.86 | $424.01 | $70.42 | $0.00 | $712.29 | 9/18/2018 | $330.20 | $382.09 | $0.00 | $0.00 | $712.29 | 10/18/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/18/2018 | $427.44 | $856.26 | $140.88 | $0.00 | $1424.58 | 12/18/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/18/2018 | $444.83 | $839.27 | $0.00 | $0.00 | $1284.10 | 2/18/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/18/2019 | $223.88 | $417.67 | $0.00 | $0.00 | $641.55 | 3/18/2019 | $505.18 | $778.56 | $0.00 | $0.00 | $1283.74 | 5/18/2019 | $227.45 | $414.42 | $0.00 | $0.00 | $641.87 | 6/18/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/18/2019 | $241.79 | $400.08 | $0.00 | $0.00 | $641.87 | 7/18/2019 | $472.45 | $811.29 | $0.00 | $0.00 | $1283.74 | 9/18/2019 | $271.35 | $370.52 | $0.00 | $0.00 | $641.87 | 10/18/2019 | $193.40 | $448.60 | $0.00 | $0.00 | $642.00 | 11/18/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 11/18/2019 | $639.05 | $644.56 | $0.00 | $0.00 | $1283.61 | 1/18/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/18/2020 | $54.80 | $587.20 | $0.00 | $0.00 | $642.00 | 2/18/2020 | $535.88 | $764.27 | $0.00 | $0.00 | $1300.15 | 4/18/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/18/2020 | $515.81 | $792.72 | $0.00 | $0.00 | $1308.53 | 6/18/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/18/2020 | $233.98 | $420.96 | $0.00 | $0.00 | $654.94 | 7/18/2020 | $524.69 | $786.25 | $0.00 | $0.00 | $1310.94 | 9/18/2020 | $251.01 | $404.46 | $0.00 | $0.00 | $655.47 | 10/18/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 0.99 | 0.99 |  | 11/5/2020 |
| 3158539095 | 36 | XXX | XXX | XXX | NY | XXXX | $71298.56 | 3.750% | Completed | Clayton | Delinquent | $71298.56 | $0.00 | $0.00 | Missing | $735.74 | $289.23 | Yes | $0.00 | $0.00 | 8/1/2020 | 9/1/2020 | 8/1/2020 | 9/30/2020 | $812.07 | $672.14 | $0.00 | $0.00 | $1484.21 | 12/20/2017 | $270.69 | $224.00 | $0.00 | $0.00 | $494.69 | 1/20/2018 | $270.69 | $205.05 | $0.00 | $0.00 | $475.74 | 2/20/2018 | $270.69 | $250.16 | $0.00 | $0.00 | $520.85 | 3/20/2018 | $520.85 | $0.00 | $0.00 | $0.00 | $520.85 | 3/20/2018 | $268.38 | $226.14 | $0.00 | $0.00 | $494.52 | 4/20/2018 | $268.38 | $209.58 | $0.00 | $0.00 | $477.96 | 5/20/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/20/2018 | $805.14 | $733.24 | $0.00 | $0.00 | $1538.38 | 8/20/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/20/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/20/2018 | $268.38 | $243.86 | $0.00 | $0.00 | $512.24 | 9/20/2018 | $268.38 | $251.87 | $0.00 | $0.00 | $520.25 | 10/20/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/20/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/20/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/20/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/20/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/20/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/20/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/20/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/20/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/20/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/20/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/20/2018 | $268.38 | $438.13 | $0.00 | $0.00 | $706.51 | 11/20/2018 | $385.73 | $320.78 | $0.00 | $0.00 | $706.51 | 12/20/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/20/2018 | $419.41 | $287.10 | $0.00 | $0.00 | $706.51 | 2/20/2019 | $215.61 | $73.62 | $432.65 | $0.00 | $721.88 | 4/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/1/2020 | $76.00 | $213.23 | $432.65 | $0.00 | $721.88 | 5/1/2020 | $61.77 | $227.46 | $446.51 | $0.00 | $735.74 | 6/1/2020 | $76.66 | $212.57 | $446.51 | $0.00 | $735.74 | 7/1/2020 | $54.88 | $234.35 | $446.51 | $0.00 | $735.74 | 8/1/2020 | $69.75 | $219.48 | $446.51 | $0.00 | $735.74 | 9/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/1/2020 |  |  |  |  | 000000000000012345678999999900000001 | 000000000000012345678999999900000001 | TRUE | 2 | 1 | 1 | 12 | 0.83 | 1.11 | 0.63 | • A loan modification was completed in February 2020. | 11/5/2020 |
| 3158539132 | 36 | XXX | XXX | XXX | IL | XXXX | $89603.84 | 8.800% | Completed | Clayton | Current | $90562.70 | $0.00 | $0.00 | Missing | $1396.24 | $1396.24 | No | $0.00 | $0.00 | 8/22/2020 | 9/22/2020 | 9/22/2020 | 9/30/2020 | $935.91 | $589.09 | $0.00 | $0.00 | $1525.00 | 11/22/2017 | $662.38 | $862.62 | $0.00 | $0.00 | $1525.00 | 12/22/2017 | $388.01 | $1161.99 | $0.00 | $0.00 | $1550.00 | 1/22/2018 | $916.47 | $606.61 | $0.00 | $0.00 | $1523.08 | 2/22/2018 | $620.47 | $902.61 | $0.00 | $0.00 | $1523.08 | 3/22/2018 | $761.41 | $761.67 | $0.00 | $0.00 | $1523.08 | 4/22/2018 | $712.51 | $810.57 | $0.00 | $0.00 | $1523.08 | 5/22/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/22/2018 | $48.41 | $1476.59 | $0.00 | $0.00 | $1525.00 | 6/22/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/22/2018 | $0.00 | $1525.00 | $0.00 | $0.00 | $1525.00 | 7/22/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/22/2018 | $0.00 | $1525.00 | $0.00 | $0.00 | $1525.00 | 8/22/2018 | $66.66 | $1458.34 | $0.00 | $0.00 | $1525.00 | 9/22/2018 | $772.23 | $777.77 | $0.00 | $0.00 | $1550.00 | 10/22/2018 | $859.18 | $665.82 | $0.00 | $0.00 | $1525.00 | 11/22/2018 | $757.22 | $792.78 | $0.00 | $0.00 | $1550.00 | 12/22/2018 | $3633.86 | $891.14 | $0.00 | $0.00 | $4525.00 | 3/22/2019 | $1043.02 | $481.98 | $0.00 | $0.00 | $1525.00 | 4/22/2019 | $771.53 | $753.47 | $0.00 | $0.00 | $1525.00 | 5/22/2019 | $802.03 | $722.97 | $0.00 | $0.00 | $1525.00 | 6/22/2019 | $634.49 | $890.51 | $0.00 | $0.00 | $1525.00 | 7/22/2019 | $713.74 | $811.26 | $0.00 | $0.00 | $1525.00 | 8/22/2019 | $792.66 | $732.34 | $0.00 | $0.00 | $1525.00 | 9/22/2019 | $604.63 | $920.37 | $0.00 | $0.00 | $1525.00 | 10/22/2019 | $802.76 | $722.24 | $0.00 | $0.00 | $1525.00 | 11/22/2019 | $761.73 | $788.27 | $0.00 | $0.00 | $1550.00 | 12/22/2019 | $1005.02 | $519.98 | $0.00 | $0.00 | $1525.00 | 1/22/2020 | $848.27 | $701.73 | $0.00 | $0.00 | $1550.00 | 2/22/2020 | $852.58 | $672.42 | $0.00 | $0.00 | $1525.00 | 3/22/2020 | $927.47 | $597.53 | $0.00 | $0.00 | $1525.00 | 4/22/2020 | $864.99 | $660.01 | $0.00 | $0.00 | $1525.00 | 5/22/2020 | $738.16 | $811.84 | $0.00 | $0.00 | $1550.00 | 6/22/2020 | $831.42 | $693.58 | $0.00 | $0.00 | $1525.00 | 7/22/2020 | $837.62 | $687.38 | $0.00 | $0.00 | $1525.00 | 8/22/2020 | $821.89 | $703.11 | $0.00 | $0.00 | $1525.00 | 9/22/2020 |  |  |  |  | 000000000112222220000000000000000000 | 000000000112222220000000000000000000 | TRUE | 2 | 6 | 0 | 0 | 1.10 | 1.10 | 1.19 |  | 11/5/2020 |
| 3158539232 | 36 | XXX | XXX | XXX | MI | XXXX | $66723.91 | 5.250% | Completed | Clayton | Current | $67027.17 | $0.00 | $0.00 | Missing | $591.70 | $591.70 | No | $0.00 | $0.00 | 9/2/2020 | 10/2/2020 | 9/2/2020 | 9/30/2020 | $270.73 | $320.97 | $0.00 | $0.00 | $591.70 | 11/2/2017 | $238.74 | $352.96 | $0.00 | $0.00 | $591.70 | 12/2/2017 | $261.87 | $329.83 | $0.00 | $0.00 | $591.70 | 1/2/2018 | $262.99 | $328.71 | $0.00 | $0.00 | $591.70 | 2/2/2018 | $242.26 | $349.44 | $0.00 | $0.00 | $591.70 | 3/2/2018 | $286.94 | $304.76 | $0.00 | $0.00 | $591.70 | 4/2/2018 | $266.42 | $325.28 | $0.00 | $0.00 | $591.70 | 5/2/2018 | $256.72 | $334.98 | $0.00 | $0.00 | $591.70 | 6/2/2018 | $257.91 | $333.79 | $0.00 | $0.00 | $591.70 | 7/2/2018 | $280.51 | $311.19 | $0.00 | $0.00 | $591.70 | 8/2/2018 | $249.58 | $342.12 | $0.00 | $0.00 | $591.70 | 9/2/2018 | $261.41 | $330.29 | $0.00 | $0.00 | $591.70 | 10/2/2018 | $273.20 | $318.50 | $0.00 | $0.00 | $591.70 | 11/2/2018 | $263.85 | $327.89 | $0.00 | $0.00 | $591.74 | 12/2/2018 | $275.51 | $316.19 | $0.00 | $0.00 | $591.70 | 1/2/2019 | $276.71 | $314.99 | $0.00 | $0.00 | $591.70 | 2/2/2019 | $256.94 | $334.76 | $0.00 | $0.00 | $591.70 | 3/2/2019 | $299.86 | $291.84 | $0.00 | $0.00 | $591.70 | 4/2/2019 | $269.92 | $321.78 | $0.00 | $0.00 | $591.70 | 5/2/2019 | $281.47 | $310.23 | $0.00 | $0.00 | $591.70 | 6/2/2019 | $282.68 | $309.02 | $0.00 | $0.00 | $591.70 | 7/2/2019 | $273.60 | $318.10 | $0.00 | $0.00 | $591.70 | 8/2/2019 | $274.87 | $316.83 | $0.00 | $0.00 | $591.70 | 9/2/2019 | $286.26 | $305.44 | $0.00 | $0.00 | $591.70 | 10/2/2019 | $277.33 | $314.37 | $0.00 | $0.00 | $591.70 | 11/2/2019 | $278.60 | $313.10 | $0.00 | $0.00 | $591.70 | 12/2/2019 | $299.96 | $291.74 | $0.00 | $0.00 | $591.70 | 1/2/2020 | $281.14 | $310.56 | $0.00 | $0.00 | $591.70 | 2/2/2020 | $273.29 | $318.41 | $0.00 | $0.00 | $591.70 | 3/2/2020 | $314.22 | $277.48 | $0.00 | $0.00 | $591.70 | 4/2/2020 | $275.99 | $315.71 | $0.00 | $0.00 | $591.70 | 5/2/2020 | $296.94 | $294.76 | $0.00 | $0.00 | $591.70 | 6/2/2020 | $288.44 | $303.26 | $0.00 | $0.00 | $591.70 | 7/2/2020 | $299.46 | $292.24 | $0.00 | $0.00 | $591.70 | 8/2/2020 | $291.06 | $300.64 | $0.00 | $0.00 | $591.70 | 9/2/2020 | $292.35 | $299.35 | $0.00 | $0.00 | $591.70 | 10/2/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158539258 | 36 | XXX | XXX | XXX | IL | XXXX | $151491.63 | 5.250% | Completed | Clayton | Current | $151851.49 | $0.00 | $0.00 | Missing | $1144.01 | $1144.01 | No | $0.00 | $0.00 | 9/26/2020 | 10/26/2020 | 9/9/2020 | 9/30/2020 | $418.45 | $725.56 | $0.00 | $0.00 | $1144.01 | 11/26/2017 | $396.13 | $747.88 | $0.00 | $0.00 | $1144.01 | 12/26/2017 | $470.05 | $673.96 | $0.00 | $0.00 | $1144.01 | 1/26/2018 | $351.85 | $792.16 | $0.00 | $0.00 | $1144.01 | 2/26/2018 | $425.52 | $718.49 | $0.00 | $0.00 | $1144.01 | 3/26/2018 | $475.06 | $668.95 | $0.00 | $0.00 | $1144.01 | 4/26/2018 | $381.69 | $762.32 | $0.00 | $0.00 | $1144.01 | 5/26/2018 | $811.29 | $332.72 | $0.00 | $0.00 | $1144.01 | 6/26/2018 | $198.06 | $945.95 | $0.00 | $0.00 | $1144.01 | 7/26/2018 | $151.96 | $992.05 | $0.00 | $0.00 | $1144.01 | 8/26/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/26/2018 | $1179.62 | $1108.40 | $0.00 | $0.00 | $2288.02 | 10/26/2018 | $581.72 | $562.29 | $0.00 | $0.00 | $1144.01 | 11/26/2018 | $420.37 | $723.70 | $0.00 | $0.00 | $1144.07 | 12/26/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/26/2018 | $0.00 | $1144.01 | $0.00 | $0.00 | $1144.01 | 1/26/2019 | $308.83 | $835.18 | $0.00 | $0.00 | $1144.01 | 2/26/2019 | $539.76 | $604.25 | $0.00 | $0.00 | $1144.01 | 3/26/2019 | $240.67 | $903.34 | $0.00 | $0.00 | $1144.01 | 4/26/2019 | $1109.99 | $1178.03 | $0.00 | $0.00 | $2288.02 | 6/26/2019 | $753.55 | $390.46 | $0.00 | $0.00 | $1144.01 | 7/26/2019 | $595.37 | $548.64 | $0.00 | $0.00 | $1144.01 | 8/26/2019 | $346.91 | $797.10 | $0.00 | $0.00 | $1144.01 | 9/26/2019 | $507.73 | $636.28 | $0.00 | $0.00 | $1144.01 | 10/26/2019 | $509.77 | $634.24 | $0.00 | $0.00 | $1144.01 | 11/26/2019 | $353.78 | $790.23 | $0.00 | $0.00 | $1144.01 | 12/26/2019 | $513.24 | $630.77 | $0.00 | $0.00 | $1144.01 | 1/26/2020 | $470.97 | $673.04 | $0.00 | $0.00 | $1144.01 | 2/26/2020 | $407.30 | $736.71 | $0.00 | $0.00 | $1144.01 | 3/26/2020 | $520.56 | $623.45 | $0.00 | $0.00 | $1144.01 | 4/26/2020 | $522.65 | $621.36 | $0.00 | $0.00 | $1144.01 | 5/26/2020 | $303.59 | $840.42 | $0.00 | $0.00 | $1144.01 | 6/26/2020 | $592.19 | $551.82 | $0.00 | $0.00 | $1144.01 | 7/26/2020 | $132.57 | $1011.44 | $0.00 | $0.00 | $1144.01 | 8/26/2020 | $770.52 | $373.49 | $0.00 | $0.00 | $1144.01 | 9/26/2020 | $531.97 | $612.04 | $0.00 | $0.00 | $1144.01 | 10/26/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158539346 | 36 | XXX | XXX | XXX | AZ | XXXX | $61096.87 | 5.250% | Completed | Clayton | Current | $61357.00 | $0.00 | $0.00 | Missing | $524.27 | $524.27 | No | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/1/2020 | 9/30/2020 | $221.22 | $303.05 | $0.00 | $0.00 | $524.27 | 11/1/2017 | $212.08 | $312.19 | $0.00 | $0.00 | $524.27 | 12/1/2017 | $223.09 | $301.18 | $0.00 | $0.00 | $524.27 | 1/1/2018 | $214.05 | $310.22 | $0.00 | $0.00 | $524.27 | 2/1/2018 | $214.97 | $309.30 | $0.00 | $0.00 | $524.27 | 3/1/2018 | $345.80 | $278.47 | $0.00 | $0.00 | $624.27 | 4/1/2018 | $217.27 | $307.00 | $0.00 | $0.00 | $524.27 | 5/1/2018 | $228.30 | $295.97 | $0.00 | $0.00 | $524.27 | 6/1/2018 | $319.49 | $304.78 | $0.00 | $0.00 | $624.27 | 7/1/2018 | $230.60 | $293.67 | $0.00 | $0.00 | $524.27 | 8/1/2018 | $221.91 | $302.36 | $0.00 | $0.00 | $524.27 | 9/1/2018 | $222.93 | $301.34 | $0.00 | $0.00 | $524.27 | 10/1/2018 | $233.62 | $290.65 | $0.00 | $0.00 | $524.27 | 11/1/2018 | $225.13 | $299.30 | $0.00 | $0.00 | $524.43 | 12/1/2018 | $235.59 | $288.68 | $0.00 | $0.00 | $524.27 | 1/1/2019 | $227.02 | $297.25 | $0.00 | $0.00 | $524.27 | 2/1/2019 | $228.04 | $296.23 | $0.00 | $0.00 | $524.27 | 3/1/2019 | $257.62 | $266.65 | $0.00 | $0.00 | $524.27 | 4/1/2019 | $230.20 | $294.07 | $0.00 | $0.00 | $524.27 | 5/1/2019 | $340.68 | $283.59 | $0.00 | $0.00 | $624.27 | 6/1/2019 | $232.57 | $291.70 | $0.00 | $0.00 | $524.27 | 7/1/2019 | $243.15 | $281.12 | $0.00 | $0.00 | $524.27 | 8/1/2019 | $234.87 | $289.40 | $0.00 | $0.00 | $524.27 | 9/1/2019 | $235.91 | $288.36 | $0.00 | $0.00 | $524.27 | 10/1/2019 | $246.24 | $278.03 | $0.00 | $0.00 | $524.27 | 11/1/2019 | $238.06 | $286.21 | $0.00 | $0.00 | $524.27 | 12/1/2019 | $248.32 | $275.95 | $0.00 | $0.00 | $524.27 | 1/1/2020 | $240.24 | $284.03 | $0.00 | $0.00 | $524.27 | 2/1/2020 | $242.07 | $282.20 | $0.00 | $0.00 | $524.27 | 3/1/2020 | $261.29 | $262.98 | $0.00 | $0.00 | $524.27 | 4/1/2020 | $244.32 | $279.95 | $0.00 | $0.00 | $524.27 | 5/1/2020 | $254.39 | $269.88 | $0.00 | $0.00 | $524.27 | 6/1/2020 | $246.54 | $277.73 | $0.00 | $0.00 | $524.27 | 7/1/2020 | $256.55 | $267.72 | $0.00 | $0.00 | $524.27 | 8/1/2020 | $248.77 | $275.50 | $0.00 | $0.00 | $524.27 | 9/1/2020 | $349.88 | $274.39 | $0.00 | $0.00 | $624.27 | 10/1/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.03 | 1.02 | 1.02 |  | 11/5/2020 |
| 3158539375 | 36 | XXX | XXX | XXX | KS | XXXX | $56128.81 | 5.250% | Completed | Clayton | Current | $56317.75 | $0.00 | $0.00 | Missing | $431.29 | $431.29 | No | $0.00 | $0.00 | 9/3/2020 | 10/3/2020 | 9/3/2020 | 9/30/2020 | $161.73 | $269.56 | $0.00 | $0.00 | $431.29 | 11/3/2017 | $153.50 | $277.79 | $0.00 | $0.00 | $431.29 | 12/3/2017 | $163.12 | $268.17 | $0.00 | $0.00 | $431.29 | 1/3/2018 | $154.88 | $276.41 | $0.00 | $0.00 | $431.29 | 2/3/2018 | $155.60 | $275.69 | $0.00 | $0.00 | $431.29 | 3/3/2018 | $182.90 | $248.39 | $0.00 | $0.00 | $431.29 | 4/3/2018 | $157.11 | $274.18 | $0.00 | $0.00 | $431.29 | 5/3/2018 | $166.63 | $264.66 | $0.00 | $0.00 | $431.29 | 6/3/2018 | $158.55 | $272.74 | $0.00 | $0.00 | $431.29 | 7/3/2018 | $168.01 | $263.28 | $0.00 | $0.00 | $431.29 | 8/3/2018 | $160.01 | $271.28 | $0.00 | $0.00 | $431.29 | 9/3/2018 | $169.44 | $261.85 | $0.00 | $0.00 | $431.29 | 10/3/2018 | $161.46 | $269.83 | $0.00 | $0.00 | $431.29 | 11/3/2018 | $162.28 | $269.10 | $0.00 | $0.00 | $431.38 | 12/3/2018 | $180.23 | $251.06 | $0.00 | $0.00 | $431.29 | 1/3/2019 | $155.07 | $276.22 | $0.00 | $0.00 | $431.29 | 2/3/2019 | $164.41 | $266.88 | $0.00 | $0.00 | $431.29 | 3/3/2019 | $190.91 | $240.38 | $0.00 | $0.00 | $431.29 | 4/3/2019 | $166.00 | $265.29 | $0.00 | $0.00 | $431.29 | 5/3/2019 | $175.27 | $256.02 | $0.00 | $0.00 | $431.29 | 6/3/2019 | $184.54 | $246.75 | $0.00 | $0.00 | $431.29 | 7/3/2019 | $159.80 | $271.49 | $0.00 | $0.00 | $431.29 | 8/3/2019 | $169.06 | $262.23 | $0.00 | $0.00 | $431.29 | 9/3/2019 | $169.81 | $261.48 | $0.00 | $0.00 | $431.29 | 10/3/2019 | $178.98 | $252.31 | $0.00 | $0.00 | $431.29 | 11/3/2019 | $171.36 | $259.93 | $0.00 | $0.00 | $431.29 | 12/3/2019 | $180.49 | $250.80 | $0.00 | $0.00 | $431.29 | 1/3/2020 | $172.98 | $258.31 | $0.00 | $0.00 | $431.29 | 2/3/2020 | $182.69 | $248.60 | $0.00 | $0.00 | $431.29 | 3/3/2020 | $183.46 | $247.83 | $0.00 | $0.00 | $431.29 | 4/3/2020 | $176.04 | $255.25 | $0.00 | $0.00 | $431.29 | 5/3/2020 | $185.03 | $246.26 | $0.00 | $0.00 | $431.29 | 6/3/2020 | $177.64 | $253.65 | $0.00 | $0.00 | $431.29 | 7/3/2020 | $186.59 | $244.70 | $0.00 | $0.00 | $431.29 | 8/3/2020 | $187.39 | $243.90 | $0.00 | $0.00 | $431.29 | 9/3/2020 | $171.96 | $259.33 | $0.00 | $0.00 | $431.29 | 10/3/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158539406 | 36 | XXX | XXX | XXX | AZ | XXXX | $84429.66 | 5.250% | Completed | Clayton | Current | $84730.77 | $0.00 | $0.00 | Missing | $665.73 | $665.73 | No | $0.00 | $0.00 | 9/18/2020 | 10/18/2020 | 9/18/2020 | 9/30/2020 | $244.23 | $421.50 | $0.00 | $0.00 | $665.73 | 11/18/2017 | $245.34 | $420.39 | $0.00 | $0.00 | $665.73 | 12/18/2017 | $273.50 | $392.23 | $0.00 | $0.00 | $665.73 | 1/18/2018 | $234.14 | $431.59 | $0.00 | $0.00 | $665.73 | 2/18/2018 | $248.70 | $417.03 | $0.00 | $0.00 | $665.73 | 3/18/2018 | $290.03 | $375.70 | $0.00 | $0.00 | $665.73 | 4/18/2018 | $251.07 | $414.66 | $0.00 | $0.00 | $665.73 | 5/18/2018 | $265.56 | $400.17 | $0.00 | $0.00 | $665.73 | 6/18/2018 | $266.72 | $399.01 | $0.00 | $0.00 | $665.73 | 7/18/2018 | $254.56 | $411.17 | $0.00 | $0.00 | $665.73 | 8/18/2018 | $255.74 | $409.99 | $0.00 | $0.00 | $665.73 | 9/18/2018 | $256.87 | $408.86 | $0.00 | $0.00 | $665.73 | 10/18/2018 | $271.18 | $394.55 | $0.00 | $0.00 | $665.73 | 11/18/2018 | $259.36 | $406.50 | $0.00 | $0.00 | $665.86 | 12/18/2018 | $273.46 | $392.27 | $0.00 | $0.00 | $665.73 | 1/18/2019 | $261.61 | $404.12 | $0.00 | $0.00 | $665.73 | 2/18/2019 | $275.77 | $389.96 | $0.00 | $0.00 | $665.73 | 3/18/2019 | $302.84 | $362.89 | $0.00 | $0.00 | $665.73 | 4/18/2019 | $252.40 | $413.33 | $0.00 | $0.00 | $665.73 | 5/18/2019 | $279.35 | $386.38 | $0.00 | $0.00 | $665.73 | 6/18/2019 | $267.73 | $398.00 | $0.00 | $0.00 | $665.73 | 7/18/2019 | $281.72 | $384.01 | $0.00 | $0.00 | $665.73 | 8/18/2019 | $270.17 | $395.56 | $0.00 | $0.00 | $665.73 | 9/18/2019 | $271.38 | $394.35 | $0.00 | $0.00 | $665.73 | 10/18/2019 | $285.27 | $380.46 | $0.00 | $0.00 | $665.73 | 11/18/2019 | $286.50 | $379.23 | $0.00 | $0.00 | $665.73 | 12/18/2019 | $275.10 | $390.63 | $0.00 | $0.00 | $665.73 | 1/18/2020 | $276.95 | $388.78 | $0.00 | $0.00 | $665.73 | 2/18/2020 | $303.63 | $362.10 | $0.00 | $0.00 | $665.73 | 3/18/2020 | $279.93 | $385.80 | $0.00 | $0.00 | $665.73 | 4/18/2020 | $281.25 | $384.48 | $0.00 | $0.00 | $665.73 | 5/18/2020 | $307.23 | $358.50 | $0.00 | $0.00 | $665.73 | 6/18/2020 | $271.51 | $394.22 | $0.00 | $0.00 | $665.73 | 7/18/2020 | $297.36 | $368.37 | $0.00 | $0.00 | $665.73 | 8/18/2020 | $286.40 | $379.33 | $0.00 | $0.00 | $665.73 | 9/18/2020 | $287.68 | $378.05 | $0.00 | $0.00 | $665.73 | 10/18/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158539459 | 36 | XXX | XXX | XXX | MI | XXXX | $80425.90 | 5.250% | Completed | Clayton | Current | $80685.53 | $0.00 | $0.00 | Missing | $607.73 | $607.73 | No | $0.00 | $0.00 | 9/15/2020 | 10/15/2020 | 9/15/2020 | 9/30/2020 | $196.75 | $410.98 | $0.00 | $0.00 | $607.73 | 11/15/2017 | $223.36 | $384.37 | $0.00 | $0.00 | $607.73 | 12/15/2017 | $211.47 | $396.26 | $0.00 | $0.00 | $607.73 | 1/15/2018 | $225.22 | $382.51 | $0.00 | $0.00 | $607.73 | 2/15/2018 | $213.41 | $394.32 | $0.00 | $0.00 | $607.73 | 3/15/2018 | $214.40 | $393.33 | $0.00 | $0.00 | $607.73 | 4/15/2018 | $253.35 | $354.38 | $0.00 | $0.00 | $607.73 | 5/15/2018 | $216.31 | $391.42 | $0.00 | $0.00 | $607.73 | 6/15/2018 | $242.61 | $365.12 | $0.00 | $0.00 | $607.73 | 7/15/2018 | $205.86 | $401.87 | $0.00 | $0.00 | $607.73 | 8/15/2018 | $231.99 | $375.74 | $0.00 | $0.00 | $607.73 | 9/15/2018 | $220.42 | $387.31 | $0.00 | $0.00 | $607.73 | 10/15/2018 | $221.45 | $386.28 | $0.00 | $0.00 | $607.73 | 11/15/2018 | $234.96 | $372.87 | $0.00 | $0.00 | $607.83 | 12/15/2018 | $223.43 | $384.30 | $0.00 | $0.00 | $607.73 | 1/15/2019 | $236.84 | $370.89 | $0.00 | $0.00 | $607.73 | 2/15/2019 | $237.78 | $369.95 | $0.00 | $0.00 | $607.73 | 3/15/2019 | $214.23 | $393.50 | $0.00 | $0.00 | $607.73 | 4/15/2019 | $264.38 | $343.35 | $0.00 | $0.00 | $607.73 | 5/15/2019 | $228.57 | $379.16 | $0.00 | $0.00 | $607.73 | 6/15/2019 | $241.91 | $365.82 | $0.00 | $0.00 | $607.73 | 7/15/2019 | $230.75 | $376.98 | $0.00 | $0.00 | $607.73 | 8/15/2019 | $243.96 | $363.77 | $0.00 | $0.00 | $607.73 | 9/15/2019 | $232.85 | $374.88 | $0.00 | $0.00 | $607.73 | 10/15/2019 | $233.94 | $373.79 | $0.00 | $0.00 | $607.73 | 11/15/2019 | $259.00 | $348.73 | $0.00 | $0.00 | $607.73 | 12/15/2019 | $224.05 | $383.68 | $0.00 | $0.00 | $607.73 | 1/15/2020 | $249.12 | $358.61 | $0.00 | $0.00 | $607.73 | 2/15/2020 | $238.84 | $368.89 | $0.00 | $0.00 | $607.73 | 3/15/2020 | $240.30 | $367.43 | $0.00 | $0.00 | $607.73 | 4/15/2020 | $265.00 | $342.73 | $0.00 | $0.00 | $607.73 | 5/15/2020 | $242.45 | $365.28 | $0.00 | $0.00 | $607.73 | 6/15/2020 | $255.36 | $352.37 | $0.00 | $0.00 | $607.73 | 7/15/2020 | $244.70 | $363.03 | $0.00 | $0.00 | $607.73 | 8/15/2020 | $257.50 | $350.23 | $0.00 | $0.00 | $607.73 | 9/15/2020 | $246.92 | $360.81 | $0.00 | $0.00 | $607.73 | 10/15/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158539485 | 36 | XXX | XXX | XXX | OH | XXXX | $66772.86 | 5.250% | Completed | Clayton | Current | $67010.79 | $0.00 | $0.00 | Missing | $526.30 | $526.30 | No | $0.00 | $0.00 | 9/15/2020 | 10/15/2020 | 9/15/2020 | 9/30/2020 | $203.71 | $322.59 | $0.00 | $0.00 | $526.30 | 11/15/2017 | $193.84 | $332.46 | $0.00 | $0.00 | $526.30 | 12/15/2017 | $205.42 | $320.88 | $0.00 | $0.00 | $526.30 | 1/15/2018 | $206.31 | $319.99 | $0.00 | $0.00 | $526.30 | 2/15/2018 | $185.90 | $340.40 | $0.00 | $0.00 | $526.30 | 3/15/2018 | $229.22 | $297.08 | $0.00 | $0.00 | $526.30 | 4/15/2018 | $198.42 | $327.88 | $0.00 | $0.00 | $526.30 | 5/15/2018 | $209.82 | $316.48 | $0.00 | $0.00 | $526.30 | 6/15/2018 | $200.24 | $326.06 | $0.00 | $0.00 | $526.30 | 7/15/2018 | $211.61 | $314.69 | $0.00 | $0.00 | $526.30 | 8/15/2018 | $202.05 | $324.25 | $0.00 | $0.00 | $526.30 | 9/15/2018 | $202.97 | $323.33 | $0.00 | $0.00 | $526.30 | 10/15/2018 | $224.68 | $301.62 | $0.00 | $0.00 | $526.30 | 11/15/2018 | $194.58 | $331.82 | $0.00 | $0.00 | $526.40 | 12/15/2018 | $216.09 | $310.21 | $0.00 | $0.00 | $526.30 | 1/15/2019 | $206.71 | $319.59 | $0.00 | $0.00 | $526.30 | 2/15/2019 | $207.63 | $318.67 | $0.00 | $0.00 | $526.30 | 3/15/2019 | $239.31 | $286.99 | $0.00 | $0.00 | $526.30 | 4/15/2019 | $219.84 | $306.46 | $0.00 | $0.00 | $526.30 | 5/15/2019 | $210.58 | $315.72 | $0.00 | $0.00 | $526.30 | 6/15/2019 | $211.54 | $314.76 | $0.00 | $0.00 | $526.30 | 7/15/2019 | $232.74 | $293.56 | $0.00 | $0.00 | $526.30 | 8/15/2019 | $203.40 | $322.90 | $0.00 | $0.00 | $526.30 | 9/15/2019 | $214.43 | $311.87 | $0.00 | $0.00 | $526.30 | 10/15/2019 | $225.42 | $300.88 | $0.00 | $0.00 | $526.30 | 11/15/2019 | $216.40 | $309.90 | $0.00 | $0.00 | $526.30 | 12/15/2019 | $227.32 | $298.98 | $0.00 | $0.00 | $526.30 | 1/15/2020 | $218.76 | $307.54 | $0.00 | $0.00 | $526.30 | 2/15/2020 | $220.18 | $306.12 | $0.00 | $0.00 | $526.30 | 3/15/2020 | $240.85 | $285.45 | $0.00 | $0.00 | $526.30 | 4/15/2020 | $222.24 | $304.06 | $0.00 | $0.00 | $526.30 | 5/15/2020 | $233.00 | $293.30 | $0.00 | $0.00 | $526.30 | 6/15/2020 | $234.01 | $292.29 | $0.00 | $0.00 | $526.30 | 7/15/2020 | $225.27 | $301.03 | $0.00 | $0.00 | $526.30 | 8/15/2020 | $226.30 | $300.00 | $0.00 | $0.00 | $526.30 | 9/15/2020 | $227.31 | $298.99 | $0.00 | $0.00 | $526.30 | 10/15/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158539577 | 36 | XXX | XXX | XXX | MI | XXXX | $90798.93 | 6.600% | Completed | Clayton | Current | $91084.21 | $0.00 | $0.00 | Missing | $794.45 | $794.45 | No | $0.00 | $0.00 | 8/25/2020 | 9/25/2020 | 9/3/2020 | 9/30/2020 | $175.91 | $618.54 | $0.00 | $0.00 | $794.45 | 10/25/2017 | $267.80 | $526.65 | $0.00 | $0.00 | $794.45 | 11/25/2017 | $287.32 | $507.13 | $0.00 | $0.00 | $794.45 | 12/25/2017 | $234.59 | $559.86 | $0.00 | $0.00 | $794.45 | 1/25/2018 | $217.84 | $576.61 | $0.00 | $0.00 | $794.45 | 2/25/2018 | $273.08 | $521.37 | $0.00 | $0.00 | $794.45 | 3/25/2018 | $238.66 | $555.79 | $0.00 | $0.00 | $794.45 | 4/25/2018 | $239.99 | $554.46 | $0.00 | $0.00 | $794.45 | 5/25/2018 | $259.18 | $535.27 | $0.00 | $0.00 | $794.45 | 6/25/2018 | $242.75 | $551.70 | $0.00 | $0.00 | $794.45 | 7/25/2018 | $261.90 | $532.55 | $0.00 | $0.00 | $794.45 | 8/25/2018 | $227.92 | $566.53 | $0.00 | $0.00 | $794.45 | 9/25/2018 | $264.56 | $529.89 | $0.00 | $0.00 | $794.45 | 10/25/2018 | $248.38 | $546.07 | $0.00 | $0.00 | $794.45 | 11/25/2018 | $302.99 | $492.01 | $0.00 | $0.00 | $795.00 | 12/25/2018 | $216.94 | $578.06 | $0.00 | $0.00 | $795.00 | 1/25/2019 | $305.11 | $489.34 | $0.00 | $0.00 | $794.45 | 2/25/2019 | $307.21 | $487.79 | $0.00 | $0.00 | $795.00 | 3/25/2019 | $204.03 | $590.42 | $0.00 | $0.00 | $794.45 | 4/25/2019 | $291.92 | $502.53 | $0.00 | $0.00 | $794.45 | 5/25/2019 | $293.45 | $501.00 | $0.00 | $0.00 | $794.45 | 6/25/2019 | $243.33 | $551.12 | $0.00 | $0.00 | $794.45 | 7/25/2019 | $279.08 | $515.37 | $0.00 | $0.00 | $794.45 | 8/25/2019 | $246.35 | $548.10 | $0.00 | $0.00 | $794.45 | 9/25/2019 | $264.85 | $529.60 | $0.00 | $0.00 | $794.45 | 10/25/2019 | $283.38 | $511.07 | $0.00 | $0.00 | $794.45 | 11/25/2019 | $267.88 | $526.57 | $0.00 | $0.00 | $794.45 | 12/25/2019 | $269.56 | $524.89 | $0.00 | $0.00 | $794.45 | 1/25/2020 | $272.37 | $522.08 | $0.00 | $0.00 | $794.45 | 2/25/2020 | $307.48 | $486.97 | $0.00 | $0.00 | $794.45 | 3/25/2020 | $325.82 | $468.63 | $0.00 | $0.00 | $794.45 | 4/25/2020 | $277.44 | $517.01 | $0.00 | $0.00 | $794.45 | 5/25/2020 | $245.73 | $548.72 | $0.00 | $0.00 | $794.45 | 6/25/2020 | $313.52 | $480.93 | $0.00 | $0.00 | $794.45 | 7/25/2020 | $298.64 | $495.81 | $0.00 | $0.00 | $794.45 | 8/25/2020 | $267.25 | $527.20 | $0.00 | $0.00 | $794.45 | 9/25/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158539661 | 36 | XXX | XXX | XXX | OH | XXXX | $26118.45 | 6.500% | Completed | Clayton | Current | $26314.94 | $0.00 | $0.00 | Missing | $316.68 | $316.68 | No | $0.00 | $0.00 | 9/8/2020 | 10/8/2020 | 9/8/2020 | 9/30/2020 | $146.28 | $171.72 | $0.00 | $0.00 | $318.00 | 12/8/2017 | $147.03 | $170.97 | $0.00 | $0.00 | $318.00 | 1/8/2018 | $142.16 | $175.84 | $0.00 | $0.00 | $318.00 | 2/8/2018 | $148.60 | $169.40 | $0.00 | $0.00 | $318.00 | 3/8/2018 | $160.61 | $157.39 | $0.00 | $0.00 | $318.00 | 4/8/2018 | $133.45 | $184.55 | $0.00 | $0.00 | $318.00 | 5/8/2018 | $162.10 | $155.90 | $0.00 | $0.00 | $318.00 | 6/8/2018 | $162.91 | $155.09 | $0.00 | $0.00 | $318.00 | 7/8/2018 | $257.39 | $60.61 | $0.00 | $0.00 | $318.00 | 8/8/2018 | $165.00 | $153.00 | $0.00 | $0.00 | $318.00 | 8/8/2018 | $122.35 | $195.65 | $0.00 | $0.00 | $318.00 | 9/8/2018 | $128.55 | $189.45 | $0.00 | $0.00 | $318.00 | 10/8/2018 | $156.30 | $161.70 | $0.00 | $0.00 | $318.00 | 11/8/2018 | $108.87 | $209.13 | $0.00 | $0.00 | $318.00 | 12/8/2018 | $165.06 | $154.94 | $0.00 | $0.00 | $320.00 | 1/8/2019 | $126.71 | $191.29 | $0.00 | $0.00 | $318.00 | 2/8/2019 | $159.28 | $158.72 | $0.00 | $0.00 | $318.00 | 3/8/2019 | $212.75 | $105.25 | $0.00 | $0.00 | $318.00 | 4/8/2019 | $114.24 | $203.76 | $0.00 | $0.00 | $318.00 | 5/8/2019 | $130.64 | $187.36 | $0.00 | $0.00 | $318.00 | 6/8/2019 | $162.57 | $155.43 | $0.00 | $0.00 | $318.00 | 7/8/2019 | $163.44 | $154.56 | $0.00 | $0.00 | $318.00 | 8/8/2019 | $148.91 | $169.09 | $0.00 | $0.00 | $318.00 | 9/8/2019 | $165.11 | $152.89 | $0.00 | $0.00 | $318.00 | 10/8/2019 | $176.09 | $141.91 | $0.00 | $0.00 | $318.00 | 11/8/2019 | $157.43 | $161.17 | $0.00 | $0.00 | $318.60 | 12/8/2019 | $257.88 | $60.12 | $0.00 | $0.00 | $318.00 | 1/8/2020 | $208.84 | $109.16 | $0.00 | $0.00 | $318.00 | 2/8/2020 | $160.81 | $157.19 | $0.00 | $0.00 | $318.00 | 3/8/2020 | $181.26 | $136.74 | $0.00 | $0.00 | $318.00 | 4/8/2020 | $157.90 | $160.10 | $0.00 | $0.00 | $318.00 | 5/8/2020 | $182.98 | $135.02 | $0.00 | $0.00 | $318.00 | 6/8/2020 | $164.73 | $153.27 | $0.00 | $0.00 | $318.00 | 7/8/2020 | $179.94 | $138.06 | $0.00 | $0.00 | $318.00 | 8/8/2020 | $152.50 | $165.50 | $0.00 | $0.00 | $318.00 | 9/8/2020 | $158.15 | $159.85 | $0.00 | $0.00 | $318.00 | 10/8/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158539792 | 36 | XXX | XXX | XXX | MI | XXXX | $26042.45 | 5.250% | Completed | Clayton | Current | $26154.64 | $0.00 | $0.00 | Missing | $220.99 | $220.99 | No | $0.00 | $0.00 | 9/5/2020 | 10/5/2020 | 9/5/2020 | 9/30/2020 | $92.85 | $128.14 | $0.00 | $0.00 | $220.99 | 11/5/2017 | $89.00 | $131.99 | $0.00 | $0.00 | $220.99 | 12/5/2017 | $93.62 | $127.37 | $0.00 | $0.00 | $220.99 | 1/5/2018 | $89.81 | $131.18 | $0.00 | $0.00 | $220.99 | 2/5/2018 | $94.43 | $126.56 | $0.00 | $0.00 | $220.99 | 3/5/2018 | $103.23 | $117.76 | $0.00 | $0.00 | $220.99 | 4/5/2018 | $86.89 | $134.10 | $0.00 | $0.00 | $220.99 | 5/5/2018 | $95.66 | $125.33 | $0.00 | $0.00 | $220.99 | 6/5/2018 | $91.90 | $129.09 | $0.00 | $0.00 | $220.99 | 7/5/2018 | $96.47 | $124.52 | $0.00 | $0.00 | $220.99 | 8/5/2018 | $92.75 | $128.24 | $0.00 | $0.00 | $220.99 | 9/5/2018 | $93.15 | $127.84 | $0.00 | $0.00 | $220.99 | 10/5/2018 | $97.69 | $123.30 | $0.00 | $0.00 | $220.99 | 11/5/2018 | $98.13 | $122.88 | $0.00 | $0.00 | $221.01 | 12/5/2018 | $94.43 | $126.56 | $0.00 | $0.00 | $220.99 | 1/5/2019 | $94.87 | $126.12 | $0.00 | $0.00 | $220.99 | 2/5/2019 | $95.29 | $125.70 | $0.00 | $0.00 | $220.99 | 3/5/2019 | $107.84 | $113.15 | $0.00 | $0.00 | $220.99 | 4/5/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/5/2019 | $0.00 | $220.99 | $0.00 | $0.00 | $220.99 | 5/5/2019 | $292.62 | $149.36 | $0.00 | $0.00 | $441.98 | 7/5/2019 | $101.48 | $119.51 | $0.00 | $0.00 | $220.99 | 8/5/2019 | $101.93 | $119.06 | $0.00 | $0.00 | $220.99 | 9/5/2019 | $94.44 | $126.55 | $0.00 | $0.00 | $220.99 | 10/5/2019 | $102.77 | $118.22 | $0.00 | $0.00 | $220.99 | 11/5/2019 | $99.29 | $121.70 | $0.00 | $0.00 | $220.99 | 12/5/2019 | $103.64 | $117.35 | $0.00 | $0.00 | $220.99 | 1/5/2020 | $100.24 | $120.75 | $0.00 | $0.00 | $220.99 | 2/5/2020 | $100.97 | $120.02 | $0.00 | $0.00 | $220.99 | 3/5/2020 | $109.13 | $111.86 | $0.00 | $0.00 | $220.99 | 4/5/2020 | $101.90 | $119.09 | $0.00 | $0.00 | $220.99 | 5/5/2020 | $106.19 | $114.80 | $0.00 | $0.00 | $220.99 | 6/5/2020 | $102.83 | $118.16 | $0.00 | $0.00 | $220.99 | 7/5/2020 | $107.08 | $113.91 | $0.00 | $0.00 | $220.99 | 8/5/2020 | $103.76 | $117.23 | $0.00 | $0.00 | $220.99 | 9/5/2020 | $104.23 | $116.76 | $0.00 | $0.00 | $220.99 | 10/5/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158539958 | 36 | XXX | XXX | XXX | TX | XXXX | $39619.29 | 4.625% | Completed | Clayton | Current | $39649.67 | $0.00 | $0.00 | Missing | $297.37 | $185.79 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/4/2020 | 9/30/2020 | $63.66 | $298.46 | $0.00 | $0.00 | $362.12 | 11/25/2017 | $73.81 | $288.31 | $0.00 | $0.00 | $362.12 | 12/25/2017 | $0.00 | $181.06 | $0.00 | $0.00 | $181.06 | 12/25/2017 | $64.59 | $116.47 | $0.00 | $0.00 | $181.06 | 1/25/2018 | $0.00 | $271.59 | $0.00 | $0.00 | $271.59 | 1/25/2018 | $74.69 | $287.43 | $0.00 | $0.00 | $362.12 | 3/25/2018 | $65.44 | $296.68 | $0.00 | $0.00 | $362.12 | 3/25/2018 | $589.03 | $587.86 | $0.00 | $0.00 | $1176.89 | 6/25/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/25/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/25/2018 | $184.71 | $577.55 | $0.00 | $0.00 | $762.26 | 9/25/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/25/2018 | $88.36 | $292.77 | $0.00 | $0.00 | $381.13 | 9/25/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/25/2018 | $345.45 | $211.92 | $547.11 | $0.00 | $1104.48 | 2/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/1/2019 | $0.00 | $185.79 | $182.37 | $0.00 | $368.16 | 3/1/2019 | $32.77 | $153.02 | $82.67 | $0.00 | $268.46 | 4/1/2019 | $42.99 | $142.80 | $82.67 | $0.00 | $268.46 | 5/1/2019 | $22.74 | $163.05 | $82.67 | $0.00 | $268.46 | 6/1/2019 | $33.08 | $152.71 | $82.67 | $0.00 | $268.46 | 7/1/2019 | $28.08 | $157.71 | $82.67 | $0.00 | $268.46 | 8/1/2019 | $33.30 | $152.49 | $82.67 | $0.00 | $268.46 | 9/1/2019 | $28.33 | $157.46 | $82.67 | $0.00 | $268.46 | 10/1/2019 | $28.45 | $157.34 | $82.67 | $0.00 | $268.46 | 11/1/2019 | $33.64 | $152.15 | $82.67 | $0.00 | $268.46 | 12/1/2019 | $33.75 | $152.04 | $82.67 | $0.00 | $268.46 | 1/1/2020 | $28.81 | $156.98 | $82.67 | $0.00 | $268.46 | 2/1/2020 | $29.08 | $156.71 | $82.67 | $0.00 | $268.46 | 3/1/2020 | $29.48 | $156.31 | $82.67 | $0.00 | $268.46 | 4/1/2020 | $39.67 | $146.12 | $111.58 | $0.00 | $297.37 | 5/1/2020 | $29.72 | $156.07 | $111.58 | $0.00 | $297.37 | 6/1/2020 | $39.92 | $145.87 | $111.58 | $0.00 | $297.37 | 7/1/2020 | $24.97 | $160.82 | $111.58 | $0.00 | $297.37 | 8/1/2020 | $35.15 | $150.64 | $111.58 | $0.00 | $297.37 | 9/1/2020 | $30.24 | $155.55 | $111.58 | $0.00 | $297.37 | 10/1/2020 |  |  |  |  | 000011100000010000000000000000000000 | 000011100000010000000000000000000000 | TRUE | 4 | 0 | 0 | 0 | 1.00 | 1.00 | 1.04 | • A payment misapplication was corrected in June 2018<br> • A loan modification was completed in December 2018. | 11/5/2020 |
| 3158540055 | 36 | XXX | XXX | XXX | IN | XXXX | $44007.01 | 7.550% | Completed | Clayton | Current | $44177.17 | $0.00 | $0.00 | Missing | $443.55 | $443.55 | No | $0.00 | $0.00 | 9/3/2020 | 10/3/2020 | 9/3/2020 | 9/30/2020 | $136.38 | $307.17 | $0.00 | $0.00 | $443.55 | 11/3/2017 | $127.04 | $316.51 | $0.00 | $0.00 | $443.55 | 12/3/2017 | $138.04 | $305.51 | $0.00 | $0.00 | $443.55 | 1/3/2018 | $128.71 | $314.84 | $0.00 | $0.00 | $443.55 | 2/3/2018 | $129.57 | $313.98 | $0.00 | $0.00 | $443.55 | 3/3/2018 | $160.70 | $282.85 | $0.00 | $0.00 | $443.55 | 4/3/2018 | $131.42 | $312.13 | $0.00 | $0.00 | $443.55 | 5/3/2018 | $142.32 | $301.23 | $0.00 | $0.00 | $443.55 | 6/3/2018 | $133.18 | $310.37 | $0.00 | $0.00 | $443.55 | 7/3/2018 | $143.99 | $299.56 | $0.00 | $0.00 | $443.55 | 8/3/2018 | $134.96 | $308.59 | $0.00 | $0.00 | $443.55 | 9/3/2018 | $145.75 | $297.80 | $0.00 | $0.00 | $443.55 | 10/3/2018 | $136.73 | $306.82 | $0.00 | $0.00 | $443.55 | 11/3/2018 | $137.73 | $305.91 | $0.00 | $0.00 | $443.64 | 12/3/2018 | $158.19 | $285.36 | $0.00 | $0.00 | $443.55 | 1/3/2019 | $129.70 | $313.85 | $0.00 | $0.00 | $443.55 | 2/3/2019 | $140.36 | $303.19 | $0.00 | $0.00 | $443.55 | 3/3/2019 | $170.52 | $273.03 | $0.00 | $0.00 | $443.55 | 4/3/2019 | $142.36 | $301.19 | $0.00 | $0.00 | $443.55 | 5/3/2019 | $152.96 | $290.59 | $0.00 | $0.00 | $443.55 | 6/3/2019 | $163.56 | $279.99 | $0.00 | $0.00 | $443.55 | 7/3/2019 | $135.61 | $307.94 | $0.00 | $0.00 | $443.55 | 8/3/2019 | $146.17 | $297.38 | $0.00 | $0.00 | $443.55 | 9/3/2019 | $147.11 | $296.44 | $0.00 | $0.00 | $443.55 | 10/3/2019 | $157.59 | $285.96 | $0.00 | $0.00 | $443.55 | 11/3/2019 | $149.06 | $294.49 | $0.00 | $0.00 | $443.55 | 12/3/2019 | $159.49 | $284.06 | $0.00 | $0.00 | $443.55 | 1/3/2020 | $151.09 | $292.46 | $0.00 | $0.00 | $443.55 | 2/3/2020 | $162.18 | $281.37 | $0.00 | $0.00 | $443.55 | 3/3/2020 | $163.16 | $280.39 | $0.00 | $0.00 | $443.55 | 4/3/2020 | $154.88 | $288.67 | $0.00 | $0.00 | $443.55 | 5/3/2020 | $165.16 | $278.39 | $0.00 | $0.00 | $443.55 | 6/3/2020 | $156.93 | $286.62 | $0.00 | $0.00 | $443.55 | 7/3/2020 | $167.15 | $276.40 | $0.00 | $0.00 | $443.55 | 8/3/2020 | $168.19 | $275.36 | $0.00 | $0.00 | $443.55 | 9/3/2020 | $150.90 | $292.65 | $0.00 | $0.00 | $443.55 | 10/3/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158540147 | 36 | XXX | XXX | XXX | IN | XXXX | $63895.80 | 6.500% | Completed | Clayton | Current | $64188.01 | $0.00 | $0.00 | 6.500% | $600.00 | $600.00 | No | $0.00 | $0.00 | 9/17/2020 | 10/17/2020 | 9/10/2020 | 9/30/2020 | $225.85 | $374.15 | $0.00 | $0.00 | $600.00 | 11/17/2017 | $252.73 | $347.27 | $0.00 | $0.00 | $600.00 | 12/17/2017 | $228.32 | $371.68 | $0.00 | $0.00 | $600.00 | 1/17/2018 | $140.07 | $459.93 | $0.00 | $0.00 | $600.00 | 2/17/2018 | $191.97 | $408.03 | $0.00 | $0.00 | $600.00 | 3/17/2018 | $231.21 | $368.79 | $0.00 | $0.00 | $600.00 | 4/17/2018 | $245.08 | $354.92 | $0.00 | $0.00 | $600.00 | 5/17/2018 | $246.30 | $353.70 | $0.00 | $0.00 | $600.00 | 6/17/2018 | $159.42 | $440.58 | $0.00 | $0.00 | $600.00 | 7/17/2018 | $248.33 | $351.67 | $0.00 | $0.00 | $600.00 | 8/17/2018 | $161.95 | $438.05 | $0.00 | $0.00 | $600.00 | 9/17/2018 | $237.89 | $362.11 | $0.00 | $0.00 | $600.00 | 10/17/2018 | $214.23 | $385.77 | $0.00 | $0.00 | $600.00 | 11/17/2018 | $202.96 | $397.04 | $0.00 | $0.00 | $600.00 | 12/17/2018 | $253.64 | $346.36 | $0.00 | $0.00 | $600.00 | 1/17/2019 | $193.28 | $406.72 | $0.00 | $0.00 | $600.00 | 2/17/2019 | $243.58 | $356.42 | $0.00 | $0.00 | $600.00 | 3/17/2019 | $257.08 | $342.92 | $0.00 | $0.00 | $600.00 | 4/17/2019 | $209.56 | $390.44 | $0.00 | $0.00 | $600.00 | 5/17/2019 | $259.37 | $340.63 | $0.00 | $0.00 | $600.00 | 6/17/2019 | $224.30 | $375.70 | $0.00 | $0.00 | $600.00 | 7/17/2019 | $249.75 | $350.25 | $0.00 | $0.00 | $600.00 | 8/17/2019 | $202.90 | $397.10 | $0.00 | $0.00 | $600.00 | 9/17/2019 | $252.08 | $347.92 | $0.00 | $0.00 | $600.00 | 10/17/2019 | $169.71 | $430.29 | $0.00 | $0.00 | $600.00 | 11/17/2019 | $266.19 | $333.81 | $0.00 | $0.00 | $600.00 | 12/17/2019 | $208.13 | $391.87 | $0.00 | $0.00 | $600.00 | 1/17/2020 | $257.16 | $342.84 | $0.00 | $0.00 | $600.00 | 2/17/2020 | $270.73 | $329.27 | $0.00 | $0.00 | $600.00 | 3/17/2020 | $272.08 | $327.92 | $0.00 | $0.00 | $600.00 | 4/17/2020 | $191.78 | $408.22 | $0.00 | $0.00 | $600.00 | 5/17/2020 | $274.39 | $325.61 | $0.00 | $0.00 | $600.00 | 6/17/2020 | $275.74 | $324.26 | $0.00 | $0.00 | $600.00 | 7/17/2020 | $254.06 | $345.94 | $0.00 | $0.00 | $600.00 | 8/17/2020 | $220.95 | $379.05 | $0.00 | $0.00 | $600.00 | 9/17/2020 | $268.03 | $331.97 | $0.00 | $0.00 | $600.00 | 10/17/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158540338 | 36 | XXX | XXX | XXX | OH | XXXX | $56965.49 | 10.000% | Completed | Clayton | Current | $57109.07 | $0.00 | $0.00 | Missing | $611.68 | $611.68 | No | $0.00 | $0.00 | 9/15/2020 | 10/15/2020 | 9/15/2020 | 9/30/2020 | $107.71 | $503.97 | $0.00 | $0.00 | $611.68 | 11/15/2017 | $91.80 | $519.88 | $0.00 | $0.00 | $611.68 | 12/15/2017 | $109.35 | $502.33 | $0.00 | $0.00 | $611.68 | 1/15/2018 | $110.26 | $501.42 | $0.00 | $0.00 | $611.68 | 2/15/2018 | $77.75 | $533.93 | $0.00 | $0.00 | $611.68 | 3/15/2018 | $145.13 | $466.55 | $0.00 | $0.00 | $611.68 | 4/15/2018 | $96.36 | $515.32 | $0.00 | $0.00 | $611.68 | 5/15/2018 | $113.76 | $497.92 | $0.00 | $0.00 | $611.68 | 6/15/2018 | $98.15 | $513.53 | $0.00 | $0.00 | $611.68 | 7/15/2018 | $115.53 | $496.15 | $0.00 | $0.00 | $611.68 | 8/15/2018 | $99.93 | $511.75 | $0.00 | $0.00 | $611.68 | 9/15/2018 | $100.82 | $510.86 | $0.00 | $0.00 | $611.68 | 10/15/2018 | $134.57 | $477.11 | $0.00 | $0.00 | $611.68 | 11/15/2018 | $86.46 | $525.32 | $0.00 | $0.00 | $611.78 | 12/15/2018 | $119.94 | $491.74 | $0.00 | $0.00 | $611.68 | 1/15/2019 | $104.57 | $507.11 | $0.00 | $0.00 | $611.68 | 2/15/2019 | $105.46 | $506.22 | $0.00 | $0.00 | $611.68 | 3/15/2019 | $155.25 | $456.43 | $0.00 | $0.00 | $611.68 | 4/15/2019 | $123.93 | $487.75 | $0.00 | $0.00 | $611.68 | 5/15/2019 | $108.69 | $502.99 | $0.00 | $0.00 | $611.68 | 6/15/2019 | $109.64 | $502.04 | $0.00 | $0.00 | $611.68 | 7/15/2019 | $142.91 | $468.77 | $0.00 | $0.00 | $611.68 | 8/15/2019 | $95.62 | $516.06 | $0.00 | $0.00 | $611.68 | 9/15/2019 | $112.61 | $499.07 | $0.00 | $0.00 | $611.68 | 10/15/2019 | $129.62 | $482.06 | $0.00 | $0.00 | $611.68 | 11/15/2019 | $114.66 | $497.02 | $0.00 | $0.00 | $611.68 | 12/15/2019 | $131.64 | $480.04 | $0.00 | $0.00 | $611.68 | 1/15/2020 | $117.36 | $494.32 | $0.00 | $0.00 | $611.68 | 2/15/2020 | $119.10 | $492.58 | $0.00 | $0.00 | $611.68 | 3/15/2020 | $151.82 | $459.86 | $0.00 | $0.00 | $611.68 | 4/15/2020 | $121.39 | $490.29 | $0.00 | $0.00 | $611.68 | 5/15/2020 | $138.21 | $473.47 | $0.00 | $0.00 | $611.68 | 6/15/2020 | $139.34 | $472.34 | $0.00 | $0.00 | $611.68 | 7/15/2020 | $124.73 | $486.95 | $0.00 | $0.00 | $611.68 | 8/15/2020 | $125.83 | $485.85 | $0.00 | $0.00 | $611.68 | 9/15/2020 | $126.89 | $484.79 | $0.00 | $0.00 | $611.68 | 10/15/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158540347 | 36 | XXX | XXX | XXX | LA | XXXX | $127285.51 | 7.100% | Completed | Clayton | Delinquent | $127285.51 | $0.00 | $0.00 | Missing | $20.86 | $20.86 | No | $0.00 | $0.00 | 5/1/2020 | 6/1/2020 | 7/8/2020 | 9/30/2020 | $377.17 | $748.90 | $0.00 | $0.00 | $1126.07 | 11/1/2017 | $299.22 | $826.85 | $0.00 | $0.00 | $1126.07 | 12/1/2017 | $301.01 | $825.06 | $0.00 | $0.00 | $1126.07 | 1/1/2018 | $302.84 | $823.23 | $0.00 | $0.00 | $1126.07 | 2/1/2018 | $304.65 | $821.42 | $0.00 | $0.00 | $1126.07 | 3/1/2018 | $661.69 | $264.38 | $0.00 | $0.00 | $926.07 | 4/1/2018 | $302.63 | $973.44 | $0.00 | $0.00 | $1276.07 | 5/1/2018 | $392.31 | $708.76 | $0.00 | $0.00 | $1101.07 | 6/1/2018 | $0.00 | $1126.07 | $0.00 | $0.00 | $1126.07 | 7/1/2018 | $263.91 | $863.16 | $0.00 | $0.00 | $1127.07 | 8/1/2018 | $317.27 | $809.80 | $0.00 | $0.00 | $1127.07 | 9/1/2018 | $290.06 | $834.01 | $0.00 | $0.00 | $1124.07 | 10/1/2018 | $1475.50 | $728.06 | $49.58 | $0.00 | $2253.14 | 12/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/1/2018 | $0.00 | $1150.65 | $0.00 | $0.00 | $1150.65 | 1/1/2019 | $0.00 | $1150.65 | $0.00 | $0.00 | $1150.65 | 2/1/2019 | $13.22 | $939.11 | $198.32 | $0.00 | $1150.65 | 3/1/2019 | $406.77 | $694.30 | $49.58 | $0.00 | $1150.65 | 4/1/2019 | $230.80 | $871.62 | $49.58 | $0.00 | $1152.00 | 5/1/2019 | $511.83 | $588.59 | $49.58 | $0.00 | $1150.00 | 6/1/2019 | $208.22 | $892.20 | $49.58 | $0.00 | $1150.00 | 7/1/2019 | $363.35 | $738.07 | $49.58 | $0.00 | $1151.00 | 8/1/2019 | $131.65 | $1015.21 | $4.14 | $0.00 | $1151.00 | 9/1/2019 | $588.07 | $557.80 | $4.14 | $0.00 | $1150.01 | 10/1/2019 | $440.14 | $706.73 | $4.14 | $0.00 | $1151.01 | 11/1/2019 | $291.68 | $855.25 | $4.14 | $0.00 | $1151.07 | 12/1/2019 | $319.09 | $727.84 | $4.14 | $0.00 | $1051.07 | 1/1/2020 | $1282.21 | $874.65 | $4.14 | $0.00 | $2161.00 | 3/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 3/1/2020 | $137.05 | $964.02 | $4.14 | $0.00 | $1105.21 | 4/1/2020 | $0.00 | $1126.07 | $0.00 | $0.00 | $1126.07 | 5/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2020 | $0.00 | $1105.21 | $0.00 | $0.00 | $1105.21 | 6/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/1/2020 |  |  |  |  | 000000000000000000000000000000012234 | 000000000000000000000000000000012234 | TRUE | 1 | 2 | 1 | 1 | 17.83 | 35.27 | 44.11 |  | 11/5/2020 |
| 3158538095 | 36 | XXX | XXX | XXX | OK | XXXX | $80597.42 | 3.000% | Completed | Clayton | Current | $80735.17 | $0.00 | $0.00 | Missing | $908.12 | $303.20 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/9/2020 | 9/30/2020 | $0.00 | $193.38 | $312.24 | $0.00 | $505.62 | 11/1/2017 | $0.00 | $227.91 | $291.71 | $0.00 | $519.62 | 12/1/2017 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/1/2017 | $0.00 | $400.57 | $812.71 | $0.00 | $1213.28 | 2/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/1/2018 | $0.00 | $435.10 | $628.18 | $0.00 | $1063.28 | 4/1/2018 | $69.57 | $200.29 | $324.28 | $0.00 | $594.14 | 5/1/2018 | $116.88 | $186.32 | $289.43 | $0.00 | $592.63 | 6/1/2018 | $62.02 | $241.18 | $289.43 | $0.00 | $592.63 | 7/1/2018 | $110.39 | $192.81 | $289.43 | $0.00 | $592.63 | 8/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/1/2018 | $0.00 | $722.08 | $463.18 | $0.00 | $1185.26 | 10/1/2008 | $1463.98 | $247.57 | $983.97 | $0.00 | $2695.52 | 1/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/1/2019 | $0.00 | $339.16 | $253.47 | $0.00 | $592.63 | 3/1/2019 | $77.30 | $189.94 | $325.39 | $0.00 | $592.63 | 4/1/2019 | $86.34 | $216.86 | $289.43 | $0.00 | $592.63 | 5/1/2019 | $106.88 | $196.32 | $311.86 | $0.00 | $615.06 | 6/1/2019 | $66.56 | $236.64 | $311.86 | $0.00 | $615.06 | 7/1/2019 | $114.04 | $189.16 | $311.86 | $0.00 | $615.06 | 8/1/2019 | $100.82 | $202.38 | $311.86 | $0.00 | $615.06 | 9/1/2019 | $87.58 | $215.62 | $311.86 | $0.00 | $615.06 | 10/1/2019 | $67.63 | $235.57 | $311.86 | $0.00 | $615.06 | 11/1/2019 | $101.44 | $201.76 | $268.95 | $0.00 | $572.15 | 12/1/2019 | $108.41 | $194.79 | $268.95 | $0.00 | $572.15 | 1/1/2020 | $88.66 | $214.54 | $268.95 | $0.00 | $572.15 | 2/1/2020 | $82.68 | $220.52 | $268.95 | $0.00 | $572.15 | 3/1/2020 | $116.28 | $186.92 | $268.95 | $0.00 | $572.15 | 4/1/2020 | $96.55 | $206.65 | $268.95 | $0.00 | $572.15 | 5/1/2020 | $116.77 | $186.43 | $276.46 | $0.00 | $579.66 | 6/1/2020 | $97.10 | $206.10 | $276.46 | $0.00 | $579.66 | 7/1/2020 | $110.62 | $192.58 | $276.46 | $0.00 | $579.66 | 8/1/2020 | $104.25 | $198.95 | $604.92 | $0.00 | $908.12 | 9/1/2020 | $64.78 | $238.42 | $604.92 | $0.00 | $908.12 | 10/1/2020 |  |  |  |  | 001000000012320000000000000000000000 | 001010000012320000000000000000000000 | FALSE | 3 | 2 | 1 | 0 | 1.00 | 1.00 | 1.17 |  | 11/5/2020 |
| 3158540513 | 36 | XXX | XXX | XXX | IL | XXXX | $80830.26 | 5.250% | Completed | Clayton | Current | $81221.95 | $0.00 | $0.00 | Missing | $641.06 | $641.06 | No | $0.00 | $0.00 | 9/18/2020 | 10/18/2020 | 9/18/2020 | 9/30/2020 | $232.67 | $408.39 | $0.00 | $0.00 | $641.06 | 11/18/2017 | $233.74 | $407.32 | $0.00 | $0.00 | $641.06 | 12/18/2017 | $260.99 | $380.07 | $0.00 | $0.00 | $641.06 | 1/18/2018 | $222.84 | $418.22 | $0.00 | $0.00 | $641.06 | 2/18/2018 | $236.93 | $404.13 | $0.00 | $0.00 | $641.06 | 3/18/2018 | $276.97 | $364.09 | $0.00 | $0.00 | $641.06 | 4/18/2018 | $239.19 | $401.87 | $0.00 | $0.00 | $641.06 | 5/18/2018 | $253.22 | $387.84 | $0.00 | $0.00 | $641.06 | 6/18/2018 | $254.32 | $386.74 | $0.00 | $0.00 | $641.06 | 7/18/2018 | $342.75 | $398.31 | $0.00 | $0.00 | $741.06 | 8/18/2018 | $344.33 | $396.73 | $0.00 | $0.00 | $741.06 | 9/18/2018 | $345.87 | $395.19 | $0.00 | $0.00 | $741.06 | 10/18/2018 | $360.12 | $380.94 | $0.00 | $0.00 | $741.06 | 11/18/2018 | $399.29 | $391.93 | $0.00 | $0.00 | $791.22 | 12/18/2018 | $263.15 | $377.91 | $0.00 | $0.00 | $641.06 | 1/18/2019 | $251.72 | $389.34 | $0.00 | $0.00 | $641.06 | 2/18/2019 | $265.37 | $375.69 | $0.00 | $0.00 | $641.06 | 3/18/2019 | $291.45 | $349.61 | $0.00 | $0.00 | $641.06 | 4/18/2019 | $242.84 | $398.22 | $0.00 | $0.00 | $641.06 | 5/18/2019 | $369.07 | $371.99 | $0.00 | $0.00 | $741.06 | 6/18/2019 | $358.30 | $382.76 | $0.00 | $0.00 | $741.06 | 7/18/2019 | $271.96 | $369.10 | $0.00 | $0.00 | $641.06 | 8/18/2019 | $260.87 | $380.19 | $0.00 | $0.00 | $641.06 | 9/18/2019 | $262.03 | $379.03 | $0.00 | $0.00 | $641.06 | 10/18/2019 | $275.39 | $365.67 | $0.00 | $0.00 | $641.06 | 11/18/2019 | $276.57 | $364.49 | $0.00 | $0.00 | $641.06 | 12/18/2019 | $265.62 | $375.44 | $0.00 | $0.00 | $641.06 | 1/18/2020 | $267.41 | $373.65 | $0.00 | $0.00 | $641.06 | 2/18/2020 | $293.06 | $348.00 | $0.00 | $0.00 | $641.06 | 3/18/2020 | $270.27 | $370.79 | $0.00 | $0.00 | $641.06 | 4/18/2020 | $271.56 | $369.50 | $0.00 | $0.00 | $641.06 | 5/18/2020 | $296.53 | $344.53 | $0.00 | $0.00 | $641.06 | 6/18/2020 | $262.21 | $378.85 | $0.00 | $0.00 | $641.06 | 7/18/2020 | $287.06 | $354.00 | $0.00 | $0.00 | $641.06 | 8/18/2020 | $376.68 | $364.38 | $0.00 | $0.00 | $741.06 | 9/18/2020 | $378.37 | $362.69 | $0.00 | $0.00 | $741.06 | 10/18/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.05 | 1.03 | 1.04 |  | 11/5/2020 |
| 3158540618 | 36 | XXX | XXX | XXX | OH | XXXX | $71817.41 | 3.625% | Completed | Clayton | Current | $71881.77 | $0.00 | $0.00 | Missing | $670.21 | $285.25 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/9/2020 | 9/30/2020 | $361.01 | $268.99 | $0.00 | $0.00 | $630.00 | 11/25/2017 | $366.18 | $258.82 | $0.00 | $0.00 | $625.00 | 12/25/2017 | $358.61 | $266.39 | $0.00 | $0.00 | $625.00 | 1/25/2018 | $385.29 | $264.71 | $0.00 | $0.00 | $650.00 | 2/25/2018 | $369.62 | $280.38 | $0.00 | $0.00 | $650.00 | 3/25/2018 | $363.93 | $261.07 | $0.00 | $0.00 | $625.00 | 4/25/2018 | $357.59 | $272.41 | $0.00 | $0.00 | $630.00 | 5/25/2018 | $357.43 | $292.57 | $0.00 | $0.00 | $650.00 | 6/25/2018 | $367.97 | $282.03 | $0.00 | $0.00 | $650.00 | 7/25/2018 | $376.70 | $298.30 | $0.00 | $0.00 | $675.00 | 8/25/2018 | $380.25 | $294.75 | $0.00 | $0.00 | $675.00 | 9/25/2018 | $371.84 | $303.16 | $0.00 | $0.00 | $675.00 | 10/25/2018 | $382.12 | $292.88 | $0.00 | $0.00 | $675.00 | 11/25/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 11/25/2018 | $719.64 | $630.36 | $0.00 | $0.00 | $1350.00 | 1/25/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/25/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/25/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/25/2019 | $355.02 | $319.98 | $0.00 | $0.00 | $675.00 | 2/25/2019 | $1428.26 | $1264.96 | $0.00 | $0.00 | $2693.22 | 6/25/2019 | $364.00 | $311.00 | $0.00 | $0.00 | $675.00 | 7/25/2019 | $361.38 | $308.62 | $0.00 | $0.00 | $670.00 | 8/25/2019 | $362.76 | $317.24 | $0.00 | $0.00 | $680.00 | 9/25/2019 | $368.61 | $301.39 | $0.00 | $0.00 | $670.00 | 10/25/2019 | $357.01 | $292.98 | $0.00 | $0.00 | $649.99 | 11/25/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 11/25/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 11/25/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 11/25/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 11/25/2019 | $354.78 | $313.15 | $0.00 | $0.00 | $667.93 | 12/25/2019 | $354.78 | $313.15 | $0.00 | $0.00 | $667.93 | 1/25/2020 | $354.78 | $313.15 | $0.00 | $0.00 | $667.93 | 2/25/2020 | $0.00 | $0.00 | $2466.49 | $0.00 | $2466.49 | 7/1/2020 | $199.40 | $85.85 | $379.54 | $0.00 | $664.79 | 8/1/2020 | $85.00 | $200.25 | $379.54 | $0.00 | $664.79 | 9/1/2020 | $64.09 | $221.16 | $384.96 | $0.00 | $670.21 | 10/1/2020 |  |  |  |  | 000000000000000012200000001233330000 | 000000000000000012200000001233330000 | TRUE | 2 | 3 | 4 | 0 | 1.28 | 1.03 | 1.69 | • A loan modification was completed in June 2020. | 11/5/2020 |
| 3158540771 | 36 | XXX | XXX | XXX | MI | XXXX | $70071.98 | 4.500% | Completed | Clayton | Current | $70216.37 | $0.00 | $0.00 | Missing | $547.74 | $322.09 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/8/2020 | 9/30/2020 | $285.98 | $414.02 | $0.00 | $0.00 | $700.00 | 8/17/2017 | $274.83 | $425.17 | $0.00 | $0.00 | $700.00 | 9/17/2017 | $289.33 | $410.67 | $0.00 | $0.00 | $700.00 | 10/17/2017 | $278.35 | $421.65 | $0.00 | $0.00 | $700.00 | 11/17/2017 | $318.26 | $381.74 | $0.00 | $0.00 | $700.00 | 12/17/2017 | $370.72 | $329.28 | $0.00 | $0.00 | $700.00 | 1/17/2018 | $171.04 | $528.96 | $0.00 | $0.00 | $700.00 | 2/17/2018 | $385.94 | $314.06 | $0.00 | $0.00 | $700.00 | 3/17/2018 | $250.40 | $449.60 | $0.00 | $0.00 | $700.00 | 4/17/2018 | $351.58 | $348.42 | $0.00 | $0.00 | $700.00 | 5/17/2018 | $818.29 | $581.71 | $0.00 | $0.00 | $1400.00 | 7/17/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/17/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/17/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/17/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/17/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/17/2018 | $0.00 | $551.16 | $0.00 | $0.00 | $551.16 | 8/17/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/17/2018 | $0.00 | $1102.32 | $0.00 | $0.00 | $1102.32 | 9/17/2018 | $0.00 | $105.40 | $0.00 | $0.00 | $105.40 | 10/17/2018 | $0.00 | $168.73 | $265.58 | $0.00 | $434.31 | 6/1/2019 | $285.89 | $414.80 | $484.13 | $0.00 | $1184.82 | 9/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/1/2019 | $5.41 | $316.68 | $225.65 | $0.00 | $547.74 | 10/1/2019 | $58.31 | $263.78 | $225.65 | $0.00 | $547.74 | 11/1/2019 | $67.32 | $254.77 | $225.65 | $0.00 | $547.74 | 12/1/2019 | $41.22 | $280.87 | $225.65 | $0.00 | $547.74 | 1/1/2020 | $102.47 | $271.88 | $225.65 | $0.00 | $600.00 | 2/1/2020 | $94.81 | $279.54 | $225.65 | $0.00 | $600.00 | 3/1/2020 | $130.09 | $244.26 | $225.65 | $0.00 | $600.00 | 4/1/2020 | $95.70 | $278.65 | $225.65 | $0.00 | $600.00 | 5/1/2020 | $122.17 | $252.18 | $225.65 | $0.00 | $600.00 | 6/1/2020 | $105.22 | $269.13 | $225.65 | $0.00 | $600.00 | 7/1/2020 | $96.97 | $277.38 | $225.65 | $0.00 | $600.00 | 8/1/2020 | $114.66 | $259.69 | $225.65 | $0.00 | $600.00 | 9/1/2020 | $71.88 | $302.47 | $225.65 | $0.00 | $600.00 | 10/1/2020 |  |  |  |  | 222222222212345666771000000000000000 | 222222222212345666771000000000000000 | TRUE | 2 | 11 | 1 | 7 | 1.16 | 1.12 | 0.94 | • The payment made in March 2019 was reversed due to insufficient funds in a subsequent month.<br> • The payment made in May 2019 was reversed due to insufficient funds in a subsequent month.<br> • A loan modification was completed in June 2019. | 11/5/2020 |
| 3158540789 | 36 | XXX | XXX | XXX | KY | XXXX | $59476.74 | 6.000% | Completed | Clayton | Current | $59753.20 | $0.00 | $0.00 | Missing | $550.74 | $550.74 | No | $0.00 | $0.00 | 9/15/2020 | 10/15/2020 | 9/11/2020 | 9/30/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/15/2017 | $121.40 | $438.60 | $0.00 | $0.00 | $560.00 | 11/15/2017 | $218.31 | $381.69 | $0.00 | $0.00 | $600.00 | 12/15/2017 | $297.86 | $302.14 | $0.00 | $0.00 | $600.00 | 1/15/2018 | $254.57 | $345.43 | $0.00 | $0.00 | $600.00 | 2/15/2015 | $521.45 | $344.09 | $0.00 | $0.00 | $865.54 | 3/15/2018 | $312.20 | $363.54 | $0.00 | $0.00 | $675.74 | 5/15/2018 | $117.65 | $482.35 | $0.00 | $0.00 | $600.00 | 6/15/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/15/2018 | $190.37 | $459.63 | $0.00 | $0.00 | $650.00 | 7/15/2018 | $196.23 | $403.77 | $0.00 | $0.00 | $600.00 | 8/15/2018 | $262.73 | $337.27 | $0.00 | $0.00 | $600.00 | 9/15/2018 | $356.58 | $303.42 | $0.00 | $0.00 | $660.00 | 10/15/2018 | $323.22 | $301.78 | $0.00 | $0.00 | $625.00 | 11/15/2018 | $256.81 | $343.19 | $0.00 | $0.00 | $600.00 | 12/15/2019 | $260.89 | $299.11 | $0.00 | $0.00 | $560.00 | 1/15/2019 | $125.12 | $425.62 | $0.00 | $0.00 | $550.74 | 2/15/2019 | $436.98 | $223.02 | $0.00 | $0.00 | $660.00 | 3/15/2019 | $301.87 | $348.13 | $0.00 | $0.00 | $650.00 | 5/15/2019 | $305.33 | $293.93 | $0.00 | $0.00 | $599.26 | 6/15/2019 | $248.03 | $302.97 | $0.00 | $0.00 | $551.00 | 7/15/2019 | $196.83 | $353.91 | $0.00 | $0.00 | $550.74 | 8/15/2019 | $248.77 | $311.23 | $0.00 | $0.00 | $560.00 | 9/15/2019 | $218.96 | $341.04 | $0.00 | $0.00 | $560.00 | 10/15/2019 | $262.42 | $288.32 | $0.00 | $0.00 | $550.74 | 11/15/2019 | $243.11 | $307.63 | $0.00 | $0.00 | $550.74 | 12/15/2019 | $223.85 | $326.89 | $0.00 | $0.00 | $550.74 | 1/15/2020 | $215.31 | $335.69 | $0.00 | $0.00 | $551.00 | 2/15/2020 | $246.45 | $313.55 | $0.00 | $0.00 | $560.00 | 3/15/2020 | $319.31 | $231.69 | $0.00 | $0.00 | $551.00 | 4/15/2020 | $229.99 | $320.75 | $0.00 | $0.00 | $550.74 | 5/15/2020 | $201.31 | $349.43 | $0.00 | $0.00 | $550.74 | 6/15/2020 | $222.36 | $328.38 | $0.00 | $0.00 | $550.74 | 7/15/2020 | $223.56 | $327.18 | $0.00 | $0.00 | $550.74 | 8/15/2020 | $343.27 | $207.47 | $0.00 | $0.00 | $550.74 | 9/15/2020 | $157.83 | $392.91 | $0.00 | $0.00 | $550.74 | 10/15/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.04 |  | 11/5/2020 |
| 3158540834 | 36 | XXX | XXX | XXX | CA | XXXX | $14809.31 | 4.500% | Completed | Clayton | Current | $14828.78 | $0.00 | $0.00 | Missing | $74.22 | $74.22 | No | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/1/2020 | 9/30/2020 | $13.11 | $61.11 | $0.00 | $0.00 | $74.22 | 11/1/2017 | $17.08 | $57.14 | $0.00 | $0.00 | $74.22 | 12/1/2017 | $15.23 | $58.99 | $0.00 | $0.00 | $74.22 | 1/1/2018 | $17.20 | $57.02 | $0.00 | $0.00 | $74.22 | 2/1/2018 | $15.36 | $58.86 | $0.00 | $0.00 | $74.22 | 3/1/2018 | $15.42 | $58.80 | $0.00 | $0.00 | $74.22 | 4/1/2018 | $21.16 | $53.06 | $0.00 | $0.00 | $74.22 | 5/1/2018 | $15.54 | $58.68 | $0.00 | $0.00 | $74.22 | 6/1/2018 | $19.40 | $54.82 | $0.00 | $0.00 | $74.22 | 7/1/2018 | $13.80 | $60.42 | $0.00 | $0.00 | $74.22 | 8/1/2018 | $17.64 | $56.58 | $0.00 | $0.00 | $74.22 | 9/1/2018 | $15.80 | $58.42 | $0.00 | $0.00 | $74.22 | 10/1/2018 | $15.88 | $58.34 | $0.00 | $0.00 | $74.22 | 11/1/2018 | $17.85 | $56.41 | $0.00 | $0.00 | $74.26 | 12/1/2018 | $16.00 | $58.22 | $0.00 | $0.00 | $74.22 | 1/1/2019 | $17.94 | $56.28 | $0.00 | $0.00 | $74.22 | 2/1/2019 | $18.00 | $56.22 | $0.00 | $0.00 | $74.22 | 3/1/2019 | $14.32 | $59.90 | $0.00 | $0.00 | $74.22 | 4/1/2019 | $21.87 | $52.35 | $0.00 | $0.00 | $74.22 | 5/1/2019 | $16.32 | $57.90 | $0.00 | $0.00 | $74.22 | 6/1/2019 | $18.27 | $55.95 | $0.00 | $0.00 | $74.22 | 7/1/2019 | $16.46 | $57.76 | $0.00 | $0.00 | $74.22 | 8/1/2019 | $18.40 | $55.82 | $0.00 | $0.00 | $74.22 | 9/1/2019 | $16.60 | $57.62 | $0.00 | $0.00 | $74.22 | 10/1/2019 | $16.66 | $57.56 | $0.00 | $0.00 | $74.22 | 11/1/2019 | $20.44 | $53.78 | $0.00 | $0.00 | $74.22 | 12/1/2019 | $14.94 | $59.28 | $0.00 | $0.00 | $74.22 | 1/1/2020 | $18.72 | $55.50 | $0.00 | $0.00 | $74.22 | 2/1/2020 | $16.96 | $57.26 | $0.00 | $0.00 | $74.22 | 3/1/2020 | $17.16 | $57.06 | $35.04 | $0.00 | $109.26 | 4/1/2020 | $20.90 | $53.32 | $35.04 | $0.00 | $109.26 | 5/1/2020 | $17.29 | $56.93 | $35.04 | $0.00 | $109.26 | 6/1/2020 | $19.20 | $55.02 | $29.91 | $0.00 | $104.13 | 7/1/2020 | $17.44 | $56.78 | $29.91 | $0.00 | $104.13 | 8/1/2020 | $19.33 | $54.89 | $0.00 | $0.00 | $74.22 | 9/1/2020 | $17.58 | $56.64 | $0.00 | $0.00 | $74.22 | 10/1/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158540836 | 36 | XXX | XXX | XXX | AZ | XXXX | $171967.44 | 5.250% | Completed | Clayton | Current | $172577.65 | $0.00 | $0.00 | Missing | $1352.86 | $1352.86 | No | $0.00 | $0.00 | 9/10/2020 | 10/10/2020 | 9/10/2020 | 9/30/2020 | $522.37 | $830.49 | $0.00 | $0.00 | $1352.86 | 11/10/2017 | $497.08 | $855.78 | $0.00 | $0.00 | $1352.86 | 12/10/2017 | $526.84 | $826.02 | $0.00 | $0.00 | $1352.86 | 1/10/2018 | $501.58 | $851.28 | $0.00 | $0.00 | $1352.86 | 2/10/2018 | $503.89 | $848.97 | $0.00 | $0.00 | $1352.86 | 3/10/2018 | $588.07 | $764.79 | $0.00 | $0.00 | $1352.86 | 4/10/2018 | $508.76 | $844.10 | $0.00 | $0.00 | $1352.86 | 5/10/2018 | $538.18 | $814.68 | $0.00 | $0.00 | $1352.86 | 6/10/2018 | $513.43 | $839.43 | $0.00 | $0.00 | $1352.86 | 7/10/2018 | $542.64 | $810.22 | $0.00 | $0.00 | $1352.86 | 8/10/2018 | $518.14 | $834.72 | $0.00 | $0.00 | $1352.86 | 9/10/2018 | $547.29 | $805.57 | $0.00 | $0.00 | $1352.86 | 10/10/2018 | $522.81 | $830.05 | $0.00 | $0.00 | $1352.86 | 11/10/2018 | $525.46 | $827.64 | $0.00 | $0.00 | $1353.10 | 12/10/2018 | $580.80 | $772.06 | $0.00 | $0.00 | $1352.86 | 1/10/2019 | $503.53 | $849.33 | $0.00 | $0.00 | $1352.86 | 2/10/2019 | $532.39 | $820.47 | $0.00 | $0.00 | $1352.86 | 3/10/2019 | $613.94 | $738.92 | $0.00 | $0.00 | $1352.86 | 4/10/2019 | $537.51 | $815.35 | $0.00 | $0.00 | $1352.86 | 5/10/2019 | $566.12 | $786.74 | $0.00 | $0.00 | $1352.86 | 6/10/2019 | $568.57 | $784.29 | $0.00 | $0.00 | $1352.86 | 7/10/2019 | $544.88 | $807.98 | $0.00 | $0.00 | $1352.86 | 8/10/2019 | $547.40 | $805.46 | $0.00 | $0.00 | $1352.86 | 9/10/2019 | $549.83 | $803.03 | $0.00 | $0.00 | $1352.86 | 10/10/2019 | $578.11 | $774.75 | $0.00 | $0.00 | $1352.86 | 11/10/2019 | $554.86 | $798.00 | $0.00 | $0.00 | $1352.86 | 12/10/2019 | $583.00 | $769.86 | $0.00 | $0.00 | $1352.86 | 1/10/2020 | $560.56 | $792.30 | $0.00 | $0.00 | $1352.86 | 2/10/2020 | $590.02 | $762.84 | $0.00 | $0.00 | $1352.86 | 3/10/2020 | $592.48 | $760.38 | $0.00 | $0.00 | $1352.86 | 4/10/2020 | $569.85 | $783.01 | $0.00 | $0.00 | $1352.86 | 5/10/2020 | $597.57 | $755.29 | $0.00 | $0.00 | $1352.86 | 6/10/2020 | $575.04 | $777.82 | $0.00 | $0.00 | $1352.86 | 7/10/2020 | $602.61 | $750.25 | $0.00 | $0.00 | $1352.86 | 8/10/2020 | $605.20 | $747.66 | $0.00 | $0.00 | $1352.86 | 9/10/2020 | $558.05 | $794.81 | $0.00 | $0.00 | $1352.86 | 10/10/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158541049 | 36 | XXX | XXX | XXX | OH | XXXX | $54264.26 | 5.250% | Completed | Clayton | Current | $54421.66 | $0.00 | $0.00 | 5.250% | $477.46 | $477.46 | No | $0.00 | $0.00 | 9/15/2020 | 10/15/2020 | 9/4/2020 | 9/30/2020 | $190.05 | $287.41 | $0.00 | $0.00 | $477.46 | 11/15/2017 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 11/15/2017 | $525.09 | $429.83 | $0.00 | $0.00 | $954.92 | 1/15/2018 | $113.43 | $364.03 | $0.00 | $0.00 | $477.46 | 2/15/2018 | $211.58 | $265.88 | $0.00 | $0.00 | $477.46 | 3/15/2018 | $238.97 | $238.49 | $0.00 | $0.00 | $477.46 | 4/15/2018 | $231.13 | $246.33 | $0.00 | $0.00 | $477.46 | 5/15/2018 | $170.70 | $306.76 | $0.00 | $0.00 | $477.46 | 6/15/2018 | $197.79 | $279.67 | $0.00 | $0.00 | $477.46 | 7/15/2018 | $216.12 | $261.34 | $0.00 | $0.00 | $477.46 | 8/15/2018 | $234.41 | $243.05 | $0.00 | $0.00 | $477.46 | 9/15/2018 | $226.71 | $250.75 | $0.00 | $0.00 | $477.46 | 10/15/2018 | $236.27 | $241.19 | $0.00 | $0.00 | $477.46 | 11/15/2018 | $134.26 | $343.20 | $0.00 | $0.00 | $477.46 | 12/15/2018 | $237.76 | $239.70 | $0.00 | $0.00 | $477.46 | 1/15/2019 | $230.19 | $247.27 | $0.00 | $0.00 | $477.46 | 2/15/2019 | $222.66 | $254.80 | $0.00 | $0.00 | $477.46 | 3/15/2019 | $249.01 | $228.45 | $0.00 | $0.00 | $477.46 | 4/15/2019 | $241.54 | $235.92 | $0.00 | $0.00 | $477.46 | 5/15/2019 | $192.17 | $285.29 | $0.00 | $0.00 | $477.46 | 6/15/2019 | $201.48 | $275.98 | $0.00 | $0.00 | $477.46 | 7/15/2019 | $227.44 | $250.02 | $0.00 | $0.00 | $477.46 | 8/15/2019 | $236.71 | $240.75 | $0.00 | $0.00 | $477.46 | 9/15/2019 | $245.98 | $231.48 | $0.00 | $0.00 | $477.46 | 10/15/2019 | $246.96 | $230.50 | $0.00 | $0.00 | $477.46 | 11/15/2019 | $190.58 | $286.88 | $0.00 | $0.00 | $477.46 | 12/15/2019 | $199.72 | $277.74 | $0.00 | $0.00 | $477.46 | 1/15/2020 | $249.73 | $227.73 | $0.00 | $0.00 | $477.46 | 2/15/2020 | $210.74 | $266.72 | $0.00 | $0.00 | $477.46 | 3/15/2020 | $276.16 | $201.30 | $0.00 | $0.00 | $477.46 | 4/15/2020 | $213.01 | $264.45 | $0.00 | $0.00 | $477.46 | 5/15/2020 | $206.07 | $271.39 | $0.00 | $0.00 | $477.46 | 6/15/2020 | $246.85 | $230.61 | $0.00 | $0.00 | $477.46 | 7/15/2020 | $255.78 | $221.68 | $0.00 | $0.00 | $477.46 | 8/15/2020 | $256.82 | $220.64 | $0.00 | $0.00 | $477.46 | 9/15/2020 | $257.84 | $219.62 | $0.00 | $0.00 | $477.46 | 10/15/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158541289 | 36 | XXX | XXX | XXX | OH | XXXX | $70909.77 | 5.740% | Completed | Clayton | Current | $70909.77 | $0.00 | $0.00 | Missing | $673.32 | $384.04 | Yes | $0.00 | $0.00 | 10/1/2020 | 11/1/2020 | 9/24/2020 | 9/30/2020 | $210.77 | $390.00 | $0.00 | $0.00 | $600.77 | 11/5/2017 | $198.93 | $401.84 | $0.00 | $0.00 | $600.77 | 12/5/2017 | $212.92 | $387.85 | $0.00 | $0.00 | $600.77 | 1/5/2018 | $201.21 | $399.56 | $0.00 | $0.00 | $600.77 | 2/5/2018 | $215.16 | $385.61 | $0.00 | $0.00 | $600.77 | 3/5/2018 | $0.00 | $638.24 | $0.00 | $0.00 | $638.24 | 4/5/2018 | $276.86 | $361.38 | $0.00 | $0.00 | $638.24 | 5/5/2018 | $280.79 | $357.45 | $0.00 | $0.00 | $638.24 | 6/5/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2018 | $0.00 | $499.31 | $138.08 | $0.00 | $637.39 | 8/1/2018 | $53.15 | $215.62 | $368.62 | $0.00 | $637.39 | 9/1/2018 | $0.00 | $442.25 | $195.34 | $0.00 | $637.59 | 10/1/2018 | $76.36 | $249.47 | $311.76 | $0.00 | $637.59 | 11/1/2018 | $44.25 | $339.83 | $253.55 | $0.00 | $637.63 | 12/1/2018 | $111.67 | $656.41 | $507.10 | $0.00 | $1275.18 | 2/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/1/2019 | $11.02 | $373.02 | $253.55 | $0.00 | $637.59 | 3/1/2019 | $67.60 | $316.44 | $253.55 | $0.00 | $637.59 | 4/1/2019 | $169.79 | $598.29 | $507.10 | $0.00 | $1275.18 | 6/1/2019 | $34.85 | $349.19 | $253.55 | $0.00 | $637.59 | 7/1/2019 | $46.29 | $337.75 | $253.55 | $0.00 | $637.59 | 8/1/2019 | $69.00 | $315.04 | $270.76 | $0.00 | $654.80 | 9/1/2019 | $0.00 | $427.14 | $227.66 | $0.00 | $654.80 | 10/1/2019 | $37.45 | $303.49 | $313.86 | $0.00 | $654.80 | 11/1/2019 | $13.30 | $370.74 | $270.76 | $0.00 | $654.80 | 12/1/2019 | $80.76 | $303.28 | $270.76 | $0.00 | $654.80 | 1/1/2020 | $2.57 | $381.47 | $270.76 | $0.00 | $654.80 | 2/1/2020 | $92.98 | $291.06 | $270.76 | $0.00 | $654.80 | 3/1/2020 | $48.81 | $335.23 | $270.76 | $0.00 | $654.80 | 4/1/2020 | $4.37 | $379.67 | $270.76 | $0.00 | $654.80 | 5/1/2020 | $71.40 | $312.64 | $770.76 | $0.00 | $1154.80 | 6/1/2020 | $0.00 | $401.56 | $253.24 | $0.00 | $654.80 | 7/1/2020 | $76.50 | $290.02 | $288.28 | $0.00 | $654.80 | 8/1/2020 | $60.90 | $323.14 | $291.37 | $0.00 | $675.41 | 9/1/2020 | $72.32 | $311.72 | $289.28 | $0.00 | $673.32 | 10/1/2020 | $5.90 | $378.14 | $289.28 | $0.00 | $673.32 | 11/1/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.04 | • A loan modification was completed in June 2018. | 11/5/2020 |
| 3158541375 | 36 | XXX | XXX | XXX | MS | XXXX | $125661.89 | 3.000% | Completed | Clayton | Current | $125961.89 | $0.00 | $0.00 | Missing | $331.66 | $331.66 | No | $0.00 | $0.00 | 9/15/2020 | 10/15/2020 | 9/15/2020 | 9/30/2020 | $20.22 | $332.99 | $0.00 | $0.00 | $353.21 | 11/15/2017 | $0.00 | $353.21 | $0.00 | $0.00 | $353.21 | 12/15/2017 | $40.54 | $312.67 | $0.00 | $0.00 | $353.21 | 1/15/2018 | $41.85 | $311.36 | $0.00 | $0.00 | $353.21 | 2/15/2018 | $20.48 | $332.73 | $0.00 | $0.00 | $353.21 | 3/15/2018 | $231.27 | $321.94 | $0.00 | $0.00 | $553.21 | 4/15/2018 | $0.00 | $353.21 | $0.00 | $0.00 | $353.21 | 5/15/2018 | $74.19 | $279.02 | $0.00 | $0.00 | $353.21 | 6/15/2018 | $373.00 | $353.21 | $0.00 | $0.00 | $726.21 | 7/15/2018 | $54.17 | $299.04 | $0.00 | $0.00 | $353.21 | 8/15/2018 | $22.40 | $330.81 | $0.00 | $0.00 | $353.21 | 9/15/2018 | $0.00 | $353.21 | $0.00 | $0.00 | $353.21 | 10/15/2018 | $55.58 | $297.63 | $0.00 | $0.00 | $353.21 | 11/15/2018 | $0.00 | $353.21 | $0.00 | $0.00 | $353.21 | 12/15/2018 | $23.87 | $329.34 | $0.00 | $0.00 | $353.21 | 1/15/2019 | $33.32 | $319.89 | $0.00 | $0.00 | $353.21 | 2/15/2019 | $12.08 | $341.13 | $0.00 | $0.00 | $353.21 | 3/15/2019 | $54.76 | $298.45 | $0.00 | $0.00 | $353.21 | 4/15/2019 | $44.22 | $308.99 | $0.00 | $0.00 | $353.21 | 5/15/2019 | $120.31 | $426.04 | $0.00 | $0.00 | $546.35 | 6/15/2019 | $110.06 | $436.29 | $0.00 | $0.00 | $546.35 | 7/15/2019 | $174.22 | $372.13 | $0.00 | $0.00 | $546.35 | 8/15/2019 | $397.70 | $148.65 | $0.00 | $0.00 | $546.35 | 9/15/2019 | $196.63 | $349.72 | $0.00 | $0.00 | $546.35 | 11/15/2019 | $218.32 | $328.03 | $0.00 | $0.00 | $546.35 | 12/15/2019 | $240.01 | $306.34 | $0.00 | $0.00 | $546.35 | 1/15/2020 | $219.48 | $326.87 | $0.00 | $0.00 | $546.35 | 2/15/2020 | $210.36 | $335.99 | $0.00 | $0.00 | $546.35 | 3/15/2020 | $242.44 | $303.91 | $0.00 | $0.00 | $546.35 | 4/15/2020 | $232.57 | $313.78 | $0.00 | $0.00 | $546.35 | 5/15/2020 | $212.23 | $334.12 | $0.00 | $0.00 | $546.35 | 6/15/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/15/2020 | $300.00 | $281.42 | $0.00 | $0.00 | $581.42 | 7/15/2020 | $300.00 | $322.82 | $0.00 | $0.00 | $622.82 | 8/15/2020 | $300.00 | $301.29 | $0.00 | $0.00 | $601.29 | 9/15/2020 | $300.00 | $331.66 | $0.00 | $0.00 | $631.66 | 10/15/2020 |  |  |  |  | 000000000000000000000030000000000000 | 000000000000000000000030000000000000 | TRUE | 0 | 0 | 1 | 0 | 1.50 | 1.57 | 1.44 | • The due date was advanced by the servicer in September 2019 without corresponding cash reported in the pay history. | 11/5/2020 |
| 3158541440 | 36 | XXX | XXX | XXX | MI | XXXX | $168902.07 | 6.125% | Completed | Clayton | Current | $168902.07 | $0.00 | $0.00 | Missing | $1011.28 | $1011.28 | No | $0.00 | $0.00 | 9/26/2020 | 10/26/2020 | 9/28/2020 | 9/30/2020 | $0.00 | $1050.00 | $0.00 | $0.00 | $1050.00 | 10/26/2017 | $167.68 | $882.32 | $0.00 | $0.00 | $1050.00 | 11/26/2017 | $0.00 | $1050.00 | $0.00 | $0.00 | $1050.00 | 12/26/2017 | $0.00 | $1050.00 | $0.00 | $0.00 | $1050.00 | 1/26/2018 | $576.05 | $473.95 | $0.00 | $0.00 | $1050.00 | 2/26/2018 | $0.00 | $1050.00 | $0.00 | $0.00 | $1050.00 | 3/26/2018 | $117.61 | $932.39 | $0.00 | $0.00 | $1050.00 | 4/26/2018 | $0.00 | $1050.00 | $0.00 | $0.00 | $1050.00 | 5/26/2018 | $60.67 | $989.33 | $0.00 | $0.00 | $1050.00 | 6/26/2018 | $234.55 | $815.45 | $0.00 | $0.00 | $1050.00 | 7/26/2018 | $177.46 | $872.54 | $0.00 | $0.00 | $1050.00 | 8/26/2018 | $169.44 | $842.56 | $0.00 | $0.00 | $1012.00 | 9/26/2018 | $0.00 | $1050.00 | $0.00 | $0.00 | $1050.00 | 10/26/2018 | $155.31 | $894.69 | $0.00 | $0.00 | $1050.00 | 11/26/2018 | $238.00 | $812.00 | $0.00 | $0.00 | $1050.00 | 12/26/2018 | $152.22 | $897.78 | $0.00 | $0.00 | $1050.00 | 1/26/2019 | $268.79 | $781.21 | $0.00 | $0.00 | $1050.00 | 2/26/2019 | $348.90 | $751.10 | $0.00 | $0.00 | $1100.00 | 3/26/2019 | $0.00 | $1050.00 | $0.00 | $0.00 | $1050.00 | 4/26/2019 | $24.17 | $1025.83 | $0.00 | $0.00 | $1050.00 | 5/26/2019 | $242.88 | $807.12 | $0.00 | $0.00 | $1050.00 | 6/26/2019 | $244.01 | $805.99 | $0.00 | $0.00 | $1050.00 | 7/26/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/26/2019 | $202.88 | $1897.12 | $0.00 | $0.00 | $2100.00 | 10/26/2019 | $153.69 | $861.31 | $0.00 | $0.00 | $1015.00 | 11/26/2019 | $221.81 | $803.19 | $0.00 | $0.00 | $1025.00 | 12/26/2019 | $190.54 | $859.46 | $0.00 | $0.00 | $1050.00 | 1/26/2020 | $250.34 | $799.66 | $0.00 | $0.00 | $1050.00 | 2/26/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/26/2020 | $105.33 | $1994.67 | $0.00 | $0.00 | $2100.00 | 4/26/2020 | $195.67 | $854.33 | $0.00 | $0.00 | $1050.00 | 5/26/2020 | $225.10 | $824.90 | $0.00 | $0.00 | $1050.00 | 6/26/2020 | $446.63 | $653.37 | $0.00 | $0.00 | $1100.00 | 7/26/2020 | $0.00 | $1100.00 | $0.00 | $0.00 | $1100.00 | 8/26/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/26/2020 | $398.71 | $1676.29 | $0.00 | $0.00 | $2075.00 | 10/26/2020 |  |  |  |  | 000000000000000000000010000000000000 | 000000000000000000000010000000000000 | TRUE | 1 | 0 | 0 | 0 | 1.05 | 1.04 | 1.04 |  | 11/5/2020 |
| 3158541537 | 36 | XXX | XXX | XXX | KY | XXXX | $66718.98 | 7.250% | Completed | Clayton | Current | $66908.10 | $0.00 | $0.00 | Missing | $586.73 | $586.73 | No | $0.00 | $0.00 | 9/15/2020 | 10/15/2020 | 9/15/2020 | 9/30/2020 | $152.95 | $433.78 | $0.00 | $0.00 | $586.73 | 11/15/2017 | $139.40 | $447.33 | $0.00 | $0.00 | $586.73 | 12/15/2017 | $154.69 | $432.04 | $0.00 | $0.00 | $586.73 | 1/15/2018 | $155.62 | $431.11 | $0.00 | $0.00 | $586.73 | 2/15/2018 | $127.83 | $458.90 | $0.00 | $0.00 | $586.73 | 3/15/2018 | $185.93 | $400.80 | $0.00 | $0.00 | $586.73 | 4/15/2018 | $144.14 | $442.59 | $0.00 | $0.00 | $586.73 | 5/15/2018 | $159.24 | $427.49 | $0.00 | $0.00 | $586.73 | 6/15/2018 | $146.00 | $440.73 | $0.00 | $0.00 | $586.73 | 7/15/2018 | $161.09 | $425.64 | $0.00 | $0.00 | $586.73 | 8/15/2018 | $147.86 | $438.87 | $0.00 | $0.00 | $586.73 | 9/15/2018 | $148.80 | $437.93 | $0.00 | $0.00 | $586.73 | 10/15/2018 | $177.92 | $408.81 | $0.00 | $0.00 | $586.73 | 11/15/2018 | $136.83 | $450.01 | $0.00 | $0.00 | $586.84 | 12/15/2018 | $165.69 | $421.04 | $0.00 | $0.00 | $586.73 | 1/15/2019 | $152.68 | $434.05 | $0.00 | $0.00 | $586.73 | 2/15/2019 | $153.61 | $433.12 | $0.00 | $0.00 | $586.73 | 3/15/2019 | $196.39 | $390.34 | $0.00 | $0.00 | $586.73 | 4/15/2019 | $169.68 | $417.05 | $0.00 | $0.00 | $586.73 | 5/15/2019 | $156.78 | $429.95 | $0.00 | $0.00 | $586.73 | 6/15/2019 | $157.78 | $428.95 | $0.00 | $0.00 | $586.73 | 7/15/2019 | $186.37 | $400.36 | $0.00 | $0.00 | $586.73 | 8/15/2019 | $146.10 | $440.63 | $0.00 | $0.00 | $586.73 | 9/15/2019 | $160.80 | $425.93 | $0.00 | $0.00 | $586.73 | 10/15/2019 | $175.50 | $411.23 | $0.00 | $0.00 | $586.73 | 11/15/2019 | $162.87 | $423.86 | $0.00 | $0.00 | $586.73 | 12/15/2019 | $177.52 | $409.21 | $0.00 | $0.00 | $586.73 | 1/15/2020 | $165.49 | $421.24 | $0.00 | $0.00 | $586.73 | 2/15/2020 | $167.14 | $419.59 | $0.00 | $0.00 | $586.73 | 3/15/2020 | $195.16 | $391.57 | $0.00 | $0.00 | $586.73 | 4/15/2020 | $169.37 | $417.36 | $0.00 | $0.00 | $586.73 | 5/15/2020 | $183.83 | $402.90 | $0.00 | $0.00 | $586.73 | 6/15/2020 | $184.93 | $401.80 | $0.00 | $0.00 | $586.73 | 7/15/2020 | $172.63 | $414.10 | $0.00 | $0.00 | $586.73 | 8/15/2020 | $173.72 | $413.01 | $0.00 | $0.00 | $586.73 | 9/15/2020 | $174.80 | $411.93 | $0.00 | $0.00 | $586.73 | 10/15/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158541554 | 36 | XXX | XXX | XXX | PA | XXXX | $46328.85 | 8.750% | Completed | Clayton | Current | $46328.85 | $0.00 | $0.00 | Missing | $545.34 | $545.34 | No | $0.00 | $0.00 | 9/18/2020 | 10/18/2020 | 9/25/2020 | 9/30/2020 | $13.14 | $532.86 | $0.00 | $0.00 | $546.00 | 11/18/2017 | $179.19 | $367.81 | $0.00 | $0.00 | $547.00 | 12/18/2017 | $183.44 | $366.56 | $0.00 | $0.00 | $550.00 | 1/18/2018 | $168.12 | $377.88 | $0.00 | $0.00 | $546.00 | 2/18/2018 | $194.44 | $351.56 | $0.00 | $0.00 | $546.00 | 3/18/2018 | $245.79 | $300.21 | $0.00 | $0.00 | $546.00 | 4/18/2018 | $27.09 | $522.91 | $0.00 | $0.00 | $550.00 | 5/18/2018 | $196.58 | $348.42 | $0.00 | $0.00 | $545.00 | 6/18/2018 | $190.50 | $359.50 | $0.00 | $0.00 | $550.00 | 7/18/2018 | $204.18 | $345.82 | $0.00 | $0.00 | $550.00 | 8/18/2018 | $168.64 | $381.36 | $0.00 | $0.00 | $550.00 | 9/18/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/18/2018 | $278.97 | $821.03 | $0.00 | $0.00 | $1100.00 | 11/18/2018 | $208.55 | $341.45 | $0.00 | $0.00 | $550.00 | 12/18/2018 | $209.95 | $340.05 | $0.00 | $0.00 | $550.00 | 1/18/2019 | $187.17 | $362.83 | $0.00 | $0.00 | $550.00 | 2/18/2019 | $188.51 | $361.49 | $0.00 | $0.00 | $550.00 | 3/18/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 3/18/2019 | $308.35 | $791.65 | $0.00 | $0.00 | $1100.00 | 5/18/2019 | $204.03 | $345.97 | $0.00 | $0.00 | $550.00 | 6/18/2019 | $229.21 | $320.79 | $0.00 | $0.00 | $550.00 | 7/18/2019 | $195.21 | $354.79 | $0.00 | $0.00 | $550.00 | 8/18/2019 | $215.17 | $329.83 | $0.00 | $0.00 | $545.00 | 9/18/2019 | $92.61 | $457.39 | $0.00 | $0.00 | $550.00 | 11/18/2019 | $210.53 | $339.47 | $0.00 | $0.00 | $550.00 | 11/18/2019 | $212.00 | $338.00 | $0.00 | $0.00 | $550.00 | 12/18/2019 | $236.67 | $313.33 | $0.00 | $0.00 | $550.00 | 1/18/2020 | $238.78 | $311.22 | $0.00 | $0.00 | $550.00 | 2/18/2020 | $91.57 | $458.43 | $0.00 | $0.00 | $550.00 | 3/18/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 3/18/2020 | $409.64 | $685.36 | $0.00 | $0.00 | $1095.00 | 5/18/2020 | $262.50 | $317.50 | $0.00 | $0.00 | $580.00 | 6/18/2020 | $218.32 | $327.02 | $0.00 | $4.66 | $550.00 | 7/18/2020 | $269.39 | $280.61 | $0.00 | $0.00 | $550.00 | 8/18/2020 | $113.54 | $446.46 | $0.00 | $0.00 | $560.00 | 9/18/2020 | $238.28 | $311.72 | $0.00 | $0.00 | $550.00 | 10/18/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.19 | 1.01 | 1.05 |  | 11/5/2020 |
| 3158541719 | 36 | XXX | XXX | XXX | IL | XXXX | $78044.27 | 5.250% | Completed | Clayton | Current | $78406.86 | $0.00 | $0.00 | Missing | $670.61 | $670.61 | No | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/1/2020 | 9/30/2020 | $310.47 | $389.53 | $0.00 | $0.00 | $700.00 | 11/1/2017 | $298.83 | $401.17 | $0.00 | $0.00 | $700.00 | 12/1/2017 | $313.10 | $386.90 | $0.00 | $0.00 | $700.00 | 1/1/2018 | $301.61 | $398.39 | $0.00 | $0.00 | $700.00 | 2/1/2018 | $302.90 | $397.10 | $0.00 | $0.00 | $700.00 | 3/1/2018 | $342.59 | $357.41 | $0.00 | $0.00 | $700.00 | 4/1/2018 | $305.83 | $394.17 | $0.00 | $0.00 | $700.00 | 5/1/2018 | $319.81 | $380.19 | $0.00 | $0.00 | $700.00 | 6/1/2018 | $308.62 | $391.38 | $0.00 | $0.00 | $700.00 | 7/1/2018 | $322.57 | $377.43 | $0.00 | $0.00 | $700.00 | 8/1/2018 | $311.39 | $388.61 | $0.00 | $0.00 | $700.00 | 9/1/2018 | $312.81 | $387.19 | $0.00 | $0.00 | $700.00 | 10/1/2018 | $326.66 | $373.34 | $0.00 | $0.00 | $700.00 | 11/1/2018 | $315.89 | $384.33 | $0.00 | $0.00 | $700.22 | 12/1/2018 | $329.43 | $370.57 | $0.00 | $0.00 | $700.00 | 1/1/2019 | $318.55 | $381.45 | $0.00 | $0.00 | $700.00 | 2/1/2019 | $319.96 | $380.04 | $0.00 | $0.00 | $700.00 | 3/1/2019 | $358.04 | $341.96 | $0.00 | $0.00 | $700.00 | 4/1/2019 | $322.99 | $377.01 | $0.00 | $0.00 | $700.00 | 5/1/2019 | $336.54 | $363.46 | $0.00 | $0.00 | $700.00 | 6/1/2019 | $325.93 | $374.07 | $0.00 | $0.00 | $700.00 | 7/1/2019 | $339.41 | $360.59 | $0.00 | $0.00 | $700.00 | 8/1/2019 | $328.90 | $371.10 | $0.00 | $0.00 | $700.00 | 9/1/2019 | $330.36 | $369.64 | $0.00 | $0.00 | $700.00 | 10/1/2019 | $343.71 | $356.29 | $0.00 | $0.00 | $700.00 | 11/1/2019 | $333.37 | $366.63 | $0.00 | $0.00 | $700.00 | 12/1/2019 | $346.64 | $353.36 | $0.00 | $0.00 | $700.00 | 1/1/2020 | $336.40 | $363.60 | $0.00 | $0.00 | $700.00 | 2/1/2020 | $338.89 | $361.11 | $0.00 | $0.00 | $700.00 | 3/1/2020 | $363.60 | $336.40 | $0.00 | $0.00 | $700.00 | 4/1/2020 | $342.02 | $357.98 | $0.00 | $0.00 | $700.00 | 5/1/2020 | $355.03 | $344.97 | $0.00 | $0.00 | $700.00 | 6/1/2020 | $345.12 | $354.88 | $0.00 | $0.00 | $700.00 | 7/1/2020 | $358.05 | $341.95 | $0.00 | $0.00 | $700.00 | 8/1/2020 | $348.24 | $351.76 | $0.00 | $0.00 | $700.00 | 9/1/2020 | $349.79 | $350.21 | $0.00 | $0.00 | $700.00 | 10/1/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.04 | 1.04 | 1.04 |  | 11/5/2020 |
| 3158541794 | 36 | XXX | XXX | XXX | IL | XXXX | $76392.11 | 5.250% | Completed | Clayton | Current | $76683.10 | $0.00 | $0.00 | Missing | $620.98 | $620.98 | No | $0.00 | $0.00 | 9/20/2020 | 10/20/2020 | 9/21/2020 | 9/30/2020 | $249.14 | $371.84 | $0.00 | $0.00 | $620.98 | 11/20/2017 | $250.22 | $370.76 | $0.00 | $0.00 | $620.98 | 12/20/2017 | $238.94 | $382.04 | $0.00 | $0.00 | $620.98 | 1/20/2018 | $240.04 | $380.94 | $0.00 | $0.00 | $620.98 | 2/20/2018 | $241.10 | $379.88 | $0.00 | $0.00 | $620.98 | 3/20/2018 | $278.85 | $342.13 | $0.00 | $0.00 | $620.98 | 4/20/2018 | $243.42 | $377.56 | $0.00 | $0.00 | $620.98 | 5/20/2018 | $256.66 | $364.32 | $0.00 | $0.00 | $620.98 | 6/20/2018 | $245.62 | $375.36 | $0.00 | $0.00 | $620.98 | 7/20/2018 | $258.83 | $362.15 | $0.00 | $0.00 | $620.98 | 8/20/2018 | $259.94 | $361.04 | $0.00 | $0.00 | $620.98 | 9/20/2018 | $237.03 | $383.95 | $0.00 | $0.00 | $620.98 | 10/20/2018 | $262.08 | $358.90 | $0.00 | $0.00 | $620.98 | 11/20/2018 | $251.38 | $369.68 | $0.00 | $0.00 | $621.06 | 12/20/2018 | $264.30 | $356.68 | $0.00 | $0.00 | $620.98 | 1/20/2019 | $253.59 | $367.39 | $0.00 | $0.00 | $620.98 | 2/20/2019 | $254.72 | $366.26 | $0.00 | $0.00 | $620.98 | 3/20/2019 | $291.19 | $329.79 | $0.00 | $0.00 | $620.98 | 4/20/2019 | $257.16 | $363.82 | $0.00 | $0.00 | $620.98 | 5/20/2019 | $281.70 | $339.28 | $0.00 | $0.00 | $620.98 | 6/20/2019 | $247.86 | $373.12 | $0.00 | $0.00 | $620.98 | 7/20/2019 | $272.28 | $348.70 | $0.00 | $0.00 | $620.98 | 8/20/2019 | $261.88 | $359.10 | $0.00 | $0.00 | $620.98 | 9/20/2019 | $263.04 | $357.94 | $0.00 | $0.00 | $620.98 | 10/20/2019 | $275.73 | $345.25 | $0.00 | $0.00 | $620.98 | 11/20/2019 | $265.45 | $355.53 | $0.00 | $0.00 | $620.98 | 12/20/2019 | $278.06 | $342.92 | $0.00 | $0.00 | $620.98 | 1/20/2020 | $279.82 | $341.16 | $0.00 | $0.00 | $620.98 | 2/20/2020 | $258.72 | $362.26 | $0.00 | $0.00 | $620.98 | 3/20/2020 | $293.80 | $327.18 | $0.00 | $0.00 | $620.98 | 4/20/2020 | $283.77 | $337.21 | $0.00 | $0.00 | $620.98 | 5/20/2020 | $273.76 | $347.22 | $0.00 | $0.00 | $620.98 | 6/20/2020 | $275.02 | $345.96 | $0.00 | $0.00 | $620.98 | 7/20/2020 | $298.48 | $322.50 | $0.00 | $0.00 | $620.98 | 8/20/2020 | $266.45 | $354.53 | $0.00 | $0.00 | $620.98 | 9/20/2020 | $278.75 | $342.23 | $0.00 | $0.00 | $620.98 | 10/20/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158541804 | 36 | XXX | XXX | XXX | OH | XXXX | $104331.35 | 5.125% | Completed | Clayton | Delinquent | $104331.35 | $0.00 | $0.00 | Missing | $982.24 | $680.37 | Yes | $0.00 | $0.00 | 8/1/2020 | 9/1/2020 | 8/1/2020 | 9/30/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/1/2017 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/1/2017 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/1/2017 | $0.00 | $1791.65 | $193.71 | $0.00 | $1985.36 | 1/1/2018 | $0.00 | $673.67 | $319.01 | $0.00 | $992.68 | 2/1/2018 | $47.88 | $626.66 | $1361.14 | $0.00 | $2035.68 | 4/1/2018 | $898.72 | $93.96 | $0.00 | $0.00 | $992.68 | 5/1/2018 | $223.82 | $481.55 | $312.31 | $0.00 | $1017.68 | 6/1/2018 | $502.11 | $883.63 | $624.62 | $0.00 | $2010.36 | 8/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/1/2018 | $0.00 | $956.77 | $35.91 | $25.00 | $1017.68 | 9/1/2018 | $0.00 | $447.52 | $514.90 | $25.00 | $987.42 | 10/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/1/2018 | $103.37 | $956.77 | $889.70 | $0.00 | $1949.84 | 12/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/1/2018 | $0.00 | $925.04 | $150.69 | $0.00 | $1075.73 | 1/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/1/2019 | $0.00 | $693.77 | $269.23 | $0.00 | $963.00 | 2/1/2019 | $877.38 | $339.18 | $708.28 | $0.00 | $1924.84 | 4/1/2019 | $0.00 | $550.59 | $411.83 | $0.00 | $962.42 | 5/1/2019 | $0.00 | $535.29 | $288.24 | $0.00 | $823.53 | 6/1/2019 | $856.58 | $640.13 | $428.13 | $0.00 | $1924.84 | 8/1/2019 | $250.82 | $409.73 | $301.87 | $0.00 | $962.42 | 9/1/2019 | $830.85 | $151.39 | $0.00 | $0.00 | $982.24 | 10/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/1/2019 | $0.00 | $916.33 | $90.91 | $0.00 | $1007.24 | 11/1/2019 | $31.68 | $841.23 | $1116.57 | $0.00 | $1989.48 | 1/1/2020 | $937.18 | $45.06 | $0.00 | $0.00 | $982.24 | 2/1/2020 | $225.26 | $504.87 | $301.87 | $0.00 | $1032.00 | 3/1/2020 | $235.97 | $444.40 | $301.87 | $0.00 | $982.24 | 4/1/2020 | $533.77 | $826.97 | $603.74 | $0.00 | $1964.48 | 6/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/1/2020 | $463.68 | $897.06 | $603.74 | $0.00 | $1964.48 | 8/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/1/2020 | $226.50 | $453.87 | $301.87 | $0.00 | $982.24 | 9/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/1/2020 |  |  |  |  | 012100000000101111111000110000000001 | 012110000000101122111000110000000001 | FALSE | 12 | 3 | 0 | 0 | 0.83 | 0.93 | 0.96 |  | 11/5/2020 |
| 3158541813 | 36 | XXX | XXX | XXX | IL | XXXX | $77744.94 | 4.820% | Completed | Clayton | Current | $77853.39 | $0.00 | $0.00 | Missing | $416.04 | $416.04 | No | $0.00 | $0.00 | 8/28/2020 | 9/28/2020 | 9/1/2020 | 9/30/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/28/2017 | $62.21 | $353.83 | $0.00 | $0.00 | $416.04 | 11/28/2017 | $211.03 | $621.05 | $0.00 | $0.00 | $832.08 | 1/28/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/28/2018 | $52.71 | $363.33 | $0.00 | $0.00 | $416.04 | 2/28/2018 | $223.83 | $608.25 | $0.00 | $0.00 | $832.08 | 4/28/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/28/2018 | $75.26 | $340.78 | $0.00 | $0.00 | $416.04 | 5/28/2018 | $204.67 | $627.41 | $0.00 | $0.00 | $832.08 | 7/28/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/28/2018 | $163.75 | $668.33 | $0.00 | $0.00 | $832.08 | 9/28/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/28/2018 | $87.72 | $328.32 | $0.00 | $0.00 | $416.04 | 10/28/2018 | $197.67 | $634.41 | $0.00 | $0.00 | $832.08 | 12/28/2018 | $99.44 | $316.60 | $0.00 | $0.00 | $416.04 | 1/28/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/28/2019 | $68.21 | $347.83 | $0.00 | $0.00 | $416.04 | 2/28/2019 | $232.27 | $599.81 | $0.00 | $0.00 | $832.08 | 4/28/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/28/2019 | $181.38 | $650.70 | $0.00 | $0.00 | $832.08 | 6/28/2019 | $112.22 | $303.82 | $0.00 | $0.00 | $416.04 | 7/28/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/28/2019 | $70.81 | $345.23 | $0.00 | $0.00 | $416.04 | 8/28/2019 | $71.12 | $344.92 | $0.00 | $0.00 | $416.04 | 9/28/2019 | $123.64 | $292.40 | $0.00 | $0.00 | $416.04 | 10/28/2019 | $227.62 | $604.46 | $0.00 | $0.00 | $832.08 | 12/28/2019 | $72.94 | $343.10 | $0.00 | $0.00 | $416.04 | 1/28/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/28/2020 | $221.15 | $610.93 | $0.00 | $0.00 | $832.08 | 3/28/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 3/28/2020 | $75.17 | $340.87 | $0.00 | $0.00 | $416.04 | 4/28/2020 | $106.46 | $309.58 | $0.00 | $0.00 | $416.04 | 5/28/2020 | $96.57 | $319.47 | $0.00 | $0.00 | $416.04 | 6/28/2020 | $214.95 | $617.13 | $0.00 | $0.00 | $832.08 | 8/28/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/28/2020 | $87.58 | $328.46 | $0.00 | $0.00 | $416.04 | 9/28/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158541955 | 36 | XXX | XXX | XXX | TX | XXXX | $115389.86 | 4.625% | Completed | Clayton | Current | $115389.86 | $0.00 | $0.00 | Missing | $869.40 | $497.29 | Yes | $0.00 | $0.00 | 10/1/2020 | 11/1/2020 | 9/22/2020 | 9/30/2020 | $0.00 | $596.47 | $0.00 | $0.00 | $596.47 | 12/15/2016 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/15/2016 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/15/2016 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/15/2016 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/15/2016 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/15/2016 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/15/2016 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/15/2016 | $0.00 | $851.13 | $0.00 | $0.00 | $851.13 | 1/15/2017 | $0.00 | $851.13 | $0.00 | $0.00 | $851.13 | 2/15/2017 | $0.00 | $851.13 | $0.00 | $0.00 | $851.13 | 2/15/2017 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/1/2018 | $0.00 | $583.36 | $256.86 | $0.00 | $840.22 | 5/1/2018 | $0.00 | $538.48 | $301.74 | $0.00 | $840.22 | 5/1/2018 | $0.00 | $418.81 | $431.19 | $0.00 | $850.00 | 1/1/2019 | $201.56 | $418.63 | $213.43 | $0.00 | $833.62 | 5/1/2018 | $0.00 | $552.24 | $291.16 | $0.00 | $843.40 | 5/1/2018 | $0.00 | $373.13 | $470.87 | $0.00 | $844.00 | 4/1/2019 | $0.00 | $432.84 | $427.93 | $0.00 | $860.77 | 5/1/2018 | $399.64 | $402.99 | $58.74 | $0.00 | $861.37 | 5/1/2018 | $0.00 | $535.49 | $325.88 | $0.00 | $861.37 | 5/1/2018 | $0.00 | $416.50 | $444.87 | $0.00 | $861.37 | 5/1/2018 | $0.00 | $505.74 | $355.63 | $0.00 | $861.37 | 8/1/2019 | $0.00 | $431.37 | $430.00 | $0.00 | $861.37 | 10/1/2019 | $395.45 | $416.50 | $49.42 | $0.00 | $861.37 | 10/1/2019 | $0.00 | $518.87 | $342.50 | $0.00 | $861.37 | 10/1/2019 | $0.00 | $400.26 | $464.74 | $0.00 | $865.00 | 1/1/2020 | $288.95 | $414.81 | $156.24 | $0.00 | $860.00 | 10/1/2019 | $357.79 | $722.63 | $642.32 | $0.00 | $1722.74 | 10/1/2019 | $30.93 | $499.88 | $329.19 | $0.00 | $860.00 | 4/1/2020 | $300.35 | $249.86 | $329.19 | $0.00 | $879.40 | 6/1/2020 | $130.31 | $410.50 | $329.19 | $0.00 | $870.00 | 7/1/2020 | $131.49 | $439.32 | $329.19 | $0.00 | $900.00 | 8/1/2020 | $117.36 | $453.45 | $329.19 | $0.00 | $900.00 | 9/1/2020 | $0.00 | $613.73 | $286.27 | $0.00 | $900.00 | 10/1/2020 | $248.18 | $379.71 | $372.11 | $0.00 | $1000.00 | 11/1/2020 |  |  |  |  | 999999999990000000000000000000000000 | 999999999990000000000000000000000000 | TRUE | 0 | 0 | 0 | 11 | 1.16 | 1.26 | 1.15 | • The due date was advanced by the servicer in September 2018 without corresponding cash reported in the pay history. | 11/5/2020 |
| 3158542002 | 36 | XXX | XXX | XXX | TX | XXXX | $65079.22 | 4.625% | Completed | Clayton | Current | $65174.95 | $0.00 | $0.00 | Missing | $587.48 | $309.86 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/8/2020 | 9/30/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2011 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2011 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2011 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2011 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2011 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2011 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2011 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2011 | $0.00 | $491.16 | $0.00 | $0.00 | $491.16 | 7/1/2011 | $0.00 | $491.16 | $0.00 | $0.00 | $491.16 | 8/1/2011 | $0.00 | $491.16 | $0.00 | $0.00 | $491.16 | 9/1/2011 | $0.00 | $428.98 | $40.16 | $0.00 | $469.14 | 10/1/2018 | $255.64 | $94.38 | $119.12 | $0.00 | $469.14 | 10/1/2018 | $0.00 | $264.96 | $204.18 | $0.00 | $469.14 | 11/1/2018 | $0.00 | $264.49 | $204.65 | $0.00 | $469.14 | 12/1/2018 | $35.82 | $253.55 | $179.77 | $0.00 | $469.14 | 1/1/2019 | $451.72 | $278.76 | $110.76 | $0.00 | $841.24 | 3/1/2019 | $74.88 | $452.88 | $313.48 | $0.00 | $841.24 | 5/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2019 | $0.00 | $284.93 | $184.21 | $0.00 | $469.14 | 6/1/2019 | $97.93 | $251.42 | $323.11 | $0.00 | $672.46 | 7/1/2019 | $0.00 | $259.43 | $209.71 | $0.00 | $469.14 | 8/1/2019 | $0.00 | $259.41 | $209.73 | $0.00 | $469.14 | 9/1/2019 | $212.00 | $276.14 | $290.60 | $25.00 | $803.74 | 10/1/2019 | $67.97 | $241.89 | $236.68 | $0.00 | $546.54 | 11/1/2019 | $34.88 | $274.98 | $236.68 | $0.00 | $546.54 | 12/1/2019 | $51.69 | $258.17 | $236.68 | $0.00 | $546.54 | 1/1/2020 | $60.31 | $249.55 | $236.68 | $0.00 | $546.54 | 2/1/2020 | $52.82 | $257.04 | $236.68 | $0.00 | $546.54 | 3/1/2020 | $77.89 | $231.97 | $236.68 | $0.00 | $546.54 | 4/1/2020 | $45.07 | $264.79 | $277.62 | $0.00 | $587.48 | 5/1/2020 | $45.25 | $264.61 | $277.62 | $0.00 | $587.48 | 6/1/2020 | $95.01 | $214.85 | $277.62 | $0.00 | $587.48 | 7/1/2020 | $70.57 | $239.29 | $277.62 | $0.00 | $587.48 | 8/1/2020 | $46.11 | $263.75 | $277.62 | $0.00 | $587.48 | 9/1/2020 | $5.10 | $304.76 | $277.62 | $0.00 | $587.48 | 10/1/2020 |  |  |  |  | 999999999990111100111110000000000000 | 999999999990111100111110000000000000 | TRUE | 9 | 0 | 0 | 11 | 1.00 | 1.00 | 1.05 | • A loan modification was completed in September 2018. | 11/5/2020 |
| 3158542064 | 36 | XXX | XXX | XXX | IL | XXXX | $175801.04 | 5.250% | Completed | Clayton | Current | $176291.10 | $0.00 | $0.00 | Missing | $1223.41 | $1223.41 | No | $0.00 | $0.00 | 9/19/2020 | 10/19/2020 | 9/19/2020 | 9/30/2020 | $397.87 | $825.54 | $0.00 | $0.00 | $1223.41 | 11/19/2017 | $372.11 | $851.30 | $0.00 | $0.00 | $1223.41 | 12/19/2017 | $401.14 | $822.27 | $0.00 | $0.00 | $1223.41 | 1/19/2018 | $375.56 | $847.85 | $0.00 | $0.00 | $1223.41 | 2/19/2018 | $404.54 | $818.87 | $0.00 | $0.00 | $1223.41 | 3/19/2018 | $460.70 | $762.71 | $0.00 | $0.00 | $1223.41 | 4/19/2018 | $353.86 | $869.55 | $0.00 | $0.00 | $1223.41 | 5/19/2018 | $409.79 | $813.62 | $0.00 | $0.00 | $1223.41 | 6/19/2018 | $384.51 | $838.90 | $0.00 | $0.00 | $1223.41 | 7/19/2018 | $413.22 | $810.19 | $0.00 | $0.00 | $1223.41 | 8/19/2018 | $388.06 | $835.35 | $0.00 | $0.00 | $1223.41 | 9/19/2018 | $389.79 | $833.62 | $0.00 | $0.00 | $1223.41 | 10/19/2018 | $418.36 | $805.05 | $0.00 | $0.00 | $1223.41 | 11/19/2018 | $420.23 | $803.24 | $0.00 | $0.00 | $1223.47 | 12/19/2018 | $395.21 | $828.20 | $0.00 | $0.00 | $1223.41 | 1/19/2019 | $397.03 | $826.38 | $0.00 | $0.00 | $1223.41 | 2/19/2019 | $398.80 | $824.61 | $0.00 | $0.00 | $1223.41 | 3/19/2019 | $480.21 | $743.20 | $0.00 | $0.00 | $1223.41 | 4/19/2019 | $402.72 | $820.69 | $0.00 | $0.00 | $1223.41 | 5/19/2019 | $430.93 | $792.48 | $0.00 | $0.00 | $1223.41 | 6/19/2019 | $406.44 | $816.97 | $0.00 | $0.00 | $1223.41 | 7/19/2019 | $434.54 | $788.87 | $0.00 | $0.00 | $1223.41 | 8/19/2019 | $436.42 | $786.99 | $0.00 | $0.00 | $1223.41 | 9/19/2019 | $385.90 | $837.51 | $0.00 | $0.00 | $1223.41 | 10/19/2019 | $439.97 | $783.44 | $0.00 | $0.00 | $1223.41 | 11/19/2019 | $415.81 | $807.60 | $0.00 | $0.00 | $1223.41 | 12/19/2019 | $443.66 | $779.75 | $0.00 | $0.00 | $1223.41 | 1/19/2020 | $420.93 | $802.48 | $0.00 | $0.00 | $1223.41 | 2/19/2020 | $423.71 | $799.70 | $0.00 | $0.00 | $1223.41 | 3/19/2020 | $477.07 | $746.34 | $0.00 | $0.00 | $1223.41 | 4/19/2020 | $427.72 | $795.69 | $0.00 | $0.00 | $1223.41 | 5/19/2020 | $455.23 | $768.18 | $0.00 | $0.00 | $1223.41 | 6/19/2020 | $431.65 | $791.76 | $0.00 | $0.00 | $1223.41 | 7/19/2020 | $459.05 | $764.36 | $0.00 | $0.00 | $1223.41 | 8/19/2020 | $435.60 | $787.81 | $0.00 | $0.00 | $1223.41 | 9/19/2020 | $437.55 | $785.86 | $0.00 | $0.00 | $1223.41 | 10/19/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158542088 | 36 | XXX | XXX | XXX | IN | XXXX | $59081.70 | 9.630% | Completed | Clayton | Current | $59253.31 | $0.00 | $0.00 | Missing | $639.33 | $639.33 | No | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/3/2020 | 9/30/2020 | $96.12 | $543.21 | $0.00 | $0.00 | $639.33 | 11/1/2017 | $113.88 | $525.45 | $0.00 | $0.00 | $639.33 | 12/1/2017 | $148.65 | $490.68 | $0.00 | $0.00 | $639.33 | 1/1/2018 | $115.99 | $523.34 | $0.00 | $0.00 | $639.33 | 2/1/2018 | $133.83 | $505.50 | $0.00 | $0.00 | $639.33 | 3/1/2018 | $168.51 | $470.82 | $0.00 | $0.00 | $639.33 | 4/1/2018 | $102.68 | $536.65 | $0.00 | $0.00 | $639.33 | 5/1/2018 | $137.04 | $502.29 | $0.00 | $0.00 | $639.33 | 6/1/2018 | $121.41 | $517.92 | $0.00 | $0.00 | $639.33 | 7/1/2018 | $122.40 | $516.93 | $0.00 | $0.00 | $639.33 | 8/1/2018 | $314.42 | $964.24 | $0.00 | $0.00 | $1278.66 | 10/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/1/2018 | $76.29 | $563.04 | $0.00 | $0.00 | $639.33 | 11/1/2018 | $143.14 | $496.19 | $0.00 | $0.00 | $639.33 | 12/1/2018 | $160.78 | $478.55 | $0.00 | $0.00 | $639.33 | 1/1/2019 | $112.58 | $526.75 | $0.00 | $0.00 | $639.33 | 2/1/2019 | $130.01 | $509.32 | $0.00 | $0.00 | $639.33 | 3/1/2019 | $196.65 | $442.68 | $0.00 | $0.00 | $639.33 | 4/1/2019 | $116.34 | $522.99 | $0.00 | $0.00 | $639.33 | 5/1/2019 | $149.94 | $489.39 | $0.00 | $0.00 | $639.33 | 6/1/2019 | $167.40 | $471.93 | $0.00 | $0.00 | $639.33 | 7/1/2019 | $119.91 | $519.42 | $0.00 | $0.00 | $639.33 | 8/1/2019 | $153.40 | $485.93 | $0.00 | $0.00 | $639.33 | 9/1/2019 | $122.31 | $517.02 | $0.00 | $0.00 | $639.33 | 10/1/2019 | $155.59 | $483.74 | $0.00 | $0.00 | $639.33 | 11/1/2019 | $156.81 | $482.52 | $0.00 | $0.00 | $639.33 | 12/1/2019 | $142.02 | $497.31 | $0.00 | $0.00 | $639.33 | 1/1/2020 | $143.27 | $496.06 | $0.00 | $0.00 | $639.33 | 2/1/2020 | $161.62 | $477.71 | $0.00 | $0.00 | $639.33 | 3/1/2020 | $162.86 | $476.47 | $0.00 | $0.00 | $639.33 | 4/1/2020 | $148.35 | $490.98 | $0.00 | $0.00 | $639.33 | 5/1/2020 | $196.96 | $442.37 | $0.00 | $0.00 | $639.33 | 6/1/2020 | $119.67 | $519.66 | $0.00 | $0.00 | $639.33 | 7/1/2020 | $167.86 | $471.47 | $0.00 | $0.00 | $639.33 | 8/1/2020 | $169.18 | $470.15 | $0.00 | $0.00 | $639.33 | 9/1/2020 | $139.22 | $500.11 | $0.00 | $0.00 | $639.33 | 10/1/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158542144 | 36 | XXX | XXX | XXX | OH | XXXX | $90971.02 | 3.625% | Completed | Clayton | Current | $91064.06 | $0.00 | $0.00 | Missing | $542.51 | $363.62 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/2/2020 | 9/30/2020 | $126.34 | $659.95 | $0.00 | $0.00 | $786.29 | 11/10/2017 | $247.13 | $539.16 | $0.00 | $0.00 | $786.29 | 12/10/2017 | $169.06 | $617.23 | $0.00 | $0.00 | $786.29 | 1/10/2018 | $11.32 | $774.97 | $0.00 | $0.00 | $786.29 | 2/10/2018 | $408.80 | $377.49 | $0.00 | $0.00 | $786.29 | 3/10/2018 | $0.00 | $786.29 | $0.00 | $0.00 | $786.29 | 4/10/2018 | $0.00 | $520.00 | $0.00 | $0.00 | $520.00 | 4/10/2018 | $254.94 | $631.35 | $0.00 | $0.00 | $886.29 | 5/10/2018 | $121.34 | $689.92 | $0.00 | $0.00 | $811.26 | 6/10/2018 | $245.80 | $590.49 | $0.00 | $0.00 | $836.29 | 7/10/2018 | $328.10 | $549.51 | $0.00 | $0.00 | $877.61 | 9/10/2018 | $180.30 | $605.99 | $0.00 | $0.00 | $786.29 | 10/10/2018 | $103.60 | $682.69 | $0.00 | $0.00 | $786.29 | 11/10/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 11/10/2018 | $0.00 | $786.29 | $0.00 | $0.00 | $786.29 | 12/10/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/10/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/10/2018 | $0.00 | $1000.00 | $0.00 | $0.00 | $1000.00 | 1/10/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/10/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/10/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/10/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/10/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/10/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/10/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/10/2019 | $0.00 | $1001.64 | $0.00 | $0.00 | $1001.64 | 2/10/2020 | $0.00 | $500.82 | $0.00 | $0.00 | $500.82 | 3/10/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/1/2020 | $198.57 | $528.67 | $254.82 | $0.00 | $982.06 | 4/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/1/2020 | $63.33 | $300.29 | $178.89 | $0.00 | $542.51 | 5/1/2020 | $91.37 | $272.25 | $178.89 | $0.00 | $542.51 | 6/1/2020 | $82.97 | $280.65 | $178.89 | $0.00 | $542.51 | 7/1/2020 | $92.27 | $271.35 | $178.89 | $0.00 | $542.51 | 8/1/2020 | $92.54 | $271.08 | $178.89 | $0.00 | $542.51 | 9/1/2020 | $74.76 | $288.86 | $178.89 | $0.00 | $542.51 | 10/1/2020 |  |  |  |  | 000000000000000122345678999000000000 | 000000000000000122345678999000000000 | TRUE | 1 | 2 | 1 | 8 | 1.00 | 1.01 | 0.80 | • A loan modification was completed in January 2020. | 11/5/2020 |
| 3158542232 | 36 | XXX | XXX | XXX | MI | XXXX | $50080.70 | 5.250% | Completed | Clayton | Current | $50325.76 | $0.00 | $0.00 | Missing | $454.41 | $454.41 | No | $0.00 | $0.00 | 9/5/2020 | 10/5/2020 | 9/5/2020 | 9/30/2020 | $203.66 | $250.75 | $0.00 | $0.00 | $454.41 | 11/5/2017 | $196.21 | $258.20 | $0.00 | $0.00 | $454.41 | 12/5/2017 | $205.35 | $249.06 | $0.00 | $0.00 | $454.41 | 1/5/2018 | $198.00 | $256.41 | $0.00 | $0.00 | $454.41 | 2/5/2018 | $207.12 | $247.29 | $0.00 | $0.00 | $454.41 | 3/5/2018 | $224.41 | $230.00 | $0.00 | $0.00 | $454.41 | 4/5/2018 | $192.59 | $261.82 | $0.00 | $0.00 | $454.41 | 5/5/2018 | $209.82 | $244.59 | $0.00 | $0.00 | $454.41 | 6/5/2018 | $202.60 | $251.81 | $0.00 | $0.00 | $454.41 | 7/5/2018 | $211.59 | $242.82 | $0.00 | $0.00 | $454.41 | 8/5/2018 | $204.45 | $249.96 | $0.00 | $0.00 | $454.41 | 9/5/2018 | $205.36 | $249.05 | $0.00 | $0.00 | $454.41 | 10/5/2018 | $214.27 | $240.14 | $0.00 | $0.00 | $454.41 | 11/5/2018 | $215.23 | $239.21 | $0.00 | $0.00 | $454.44 | 12/5/2018 | $208.16 | $246.25 | $0.00 | $0.00 | $454.41 | 1/5/2019 | $209.12 | $245.29 | $0.00 | $0.00 | $454.41 | 2/5/2019 | $210.05 | $244.36 | $0.00 | $0.00 | $454.41 | 3/5/2019 | $234.54 | $219.87 | $0.00 | $0.00 | $454.41 | 4/5/2019 | $212.03 | $242.38 | $0.00 | $0.00 | $454.41 | 5/5/2019 | $220.76 | $233.65 | $0.00 | $0.00 | $454.41 | 6/5/2019 | $213.96 | $240.45 | $0.00 | $0.00 | $454.41 | 7/5/2019 | $222.64 | $231.77 | $0.00 | $0.00 | $454.41 | 8/5/2019 | $223.60 | $230.81 | $0.00 | $0.00 | $454.41 | 9/5/2019 | $209.21 | $245.20 | $0.00 | $0.00 | $454.41 | 10/5/2019 | $225.47 | $228.94 | $0.00 | $0.00 | $454.41 | 11/5/2019 | $218.85 | $235.56 | $0.00 | $0.00 | $454.41 | 12/5/2019 | $227.38 | $227.03 | $0.00 | $0.00 | $454.41 | 1/5/2020 | $220.92 | $233.49 | $0.00 | $0.00 | $454.41 | 2/5/2020 | $222.45 | $231.96 | $0.00 | $0.00 | $454.41 | 3/5/2020 | $238.34 | $216.07 | $0.00 | $0.00 | $454.41 | 4/5/2020 | $224.50 | $229.91 | $0.00 | $0.00 | $454.41 | 5/5/2020 | $232.89 | $221.52 | $0.00 | $0.00 | $454.41 | 6/5/2020 | $226.53 | $227.88 | $0.00 | $0.00 | $454.41 | 7/5/2020 | $234.86 | $219.55 | $0.00 | $0.00 | $454.41 | 8/5/2020 | $228.59 | $225.82 | $0.00 | $0.00 | $454.41 | 9/5/2020 | $229.61 | $224.80 | $0.00 | $0.00 | $454.41 | 10/5/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158542339 | 36 | XXX | XXX | XXX | MI | XXXX | $62661.40 | 9.100% | Completed | Clayton | Current | $62735.49 | $0.00 | $0.00 | Missing | $573.23 | $573.23 | No | $0.00 | $0.00 | 8/22/2020 | 9/22/2020 | 8/31/2020 | 9/30/2020 | $98.12 | $475.11 | $0.00 | $0.00 | $573.23 | 11/22/2017 | $17.01 | $556.22 | $0.00 | $0.00 | $573.23 | 12/22/2017 | $98.95 | $474.28 | $0.00 | $0.00 | $573.23 | 1/22/2018 | $99.64 | $473.59 | $0.00 | $0.00 | $573.23 | 2/22/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/22/2018 | $37.72 | $1108.74 | $0.00 | $0.00 | $1146.46 | 4/22/2018 | $182.14 | $391.09 | $0.00 | $0.00 | $573.23 | 5/22/2018 | $36.97 | $536.26 | $0.00 | $0.00 | $573.23 | 6/22/2018 | $53.52 | $519.71 | $0.00 | $0.00 | $573.23 | 7/22/2018 | $86.40 | $486.83 | $0.00 | $0.00 | $573.23 | 8/22/2018 | $87.05 | $486.18 | $0.00 | $0.00 | $573.23 | 9/22/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/22/2018 | $143.18 | $1003.28 | $0.00 | $0.00 | $1146.46 | 11/22/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 11/22/2018 | $229.94 | $1016.46 | $0.00 | $0.00 | $1246.40 | 1/22/2019 | $154.85 | $418.38 | $0.00 | $0.00 | $573.23 | 2/22/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/22/2019 | $119.18 | $1027.28 | $0.00 | $0.00 | $1146.46 | 4/22/2019 | $108.56 | $464.67 | $0.00 | $0.00 | $573.23 | 5/22/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/22/2019 | $171.00 | $975.46 | $0.00 | $0.00 | $1146.46 | 7/22/2019 | $110.59 | $462.64 | $0.00 | $0.00 | $573.23 | 8/22/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/22/2019 | $143.14 | $1003.32 | $0.00 | $0.00 | $1146.46 | 10/22/2019 | $128.31 | $444.92 | $0.00 | $0.00 | $573.23 | 11/22/2019 | $113.34 | $459.89 | $0.00 | $0.00 | $573.23 | 12/22/2019 | $34.99 | $538.24 | $0.00 | $0.00 | $573.23 | 1/22/2020 | $115.50 | $457.73 | $0.00 | $0.00 | $573.23 | 2/22/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/22/2020 | $154.42 | $992.04 | $0.00 | $0.00 | $1146.46 | 4/22/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/22/2020 | $54.77 | $518.46 | $0.00 | $0.00 | $573.23 | 5/22/2020 | $221.07 | $925.39 | $0.00 | $0.00 | $1146.46 | 7/22/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/22/2020 | $176.93 | $969.53 | $0.00 | $0.00 | $1146.46 | 9/22/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/22/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 0.83 | 0.92 | 1.01 |  | 11/5/2020 |
| 3158542399 | 36 | XXX | XXX | XXX | OH | XXXX | $86656.36 | 5.800% | Completed | Clayton | Current | $86656.36 | $0.00 | $0.00 | Missing | $875.84 | $875.84 | No | $0.00 | $0.00 | 9/22/2020 | 10/22/2020 | 9/28/2020 | 9/30/2020 | $427.32 | $472.68 | $0.00 | $0.00 | $900.00 | 11/22/2017 | $413.07 | $486.93 | $0.00 | $0.00 | $900.00 | 12/22/2017 | $415.03 | $484.97 | $0.00 | $0.00 | $900.00 | 1/22/2018 | $400.84 | $499.16 | $0.00 | $0.00 | $900.00 | 2/22/2018 | $386.85 | $513.15 | $0.00 | $0.00 | $900.00 | 3/22/2018 | $484.60 | $415.40 | $0.00 | $0.00 | $900.00 | 4/22/2018 | $423.07 | $476.93 | $0.00 | $0.00 | $900.00 | 5/22/2018 | $393.37 | $506.63 | $0.00 | $0.00 | $900.00 | 6/22/2018 | $411.19 | $488.81 | $0.00 | $0.00 | $900.00 | 7/22/2018 | $428.86 | $471.14 | $0.00 | $0.00 | $900.00 | 8/22/2018 | $430.98 | $469.02 | $0.00 | $0.00 | $900.00 | 9/22/2018 | $526.42 | $373.58 | $0.00 | $0.00 | $900.00 | 10/22/2018 | $411.59 | $588.41 | $0.00 | $0.00 | $1000.00 | 11/22/2018 | $583.75 | $416.25 | $0.00 | $0.00 | $1000.00 | 12/22/2018 | $333.01 | $566.99 | $0.00 | $0.00 | $900.00 | 1/22/2019 | $472.41 | $427.59 | $0.00 | $0.00 | $900.00 | 2/22/2019 | $428.92 | $471.08 | $0.00 | $0.00 | $900.00 | 3/22/2019 | $431.04 | $468.96 | $0.00 | $0.00 | $900.00 | 4/22/2019 | $448.22 | $451.78 | $0.00 | $0.00 | $900.00 | 5/22/2019 | $450.35 | $449.65 | $0.00 | $0.00 | $900.00 | 6/22/2019 | $512.17 | $387.83 | $0.00 | $0.00 | $900.00 | 7/22/2019 | $380.76 | $519.24 | $0.00 | $0.00 | $900.00 | 8/22/2019 | $634.06 | $265.94 | $0.00 | $0.00 | $900.00 | 9/22/2019 | $180.98 | $719.02 | $0.00 | $0.00 | $900.00 | 10/22/2019 | $446.00 | $454.00 | $0.00 | $0.00 | $900.00 | 11/22/2019 | $491.92 | $408.08 | $0.00 | $0.00 | $900.00 | 12/22/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/22/2019 | $801.91 | $998.09 | $0.00 | $0.00 | $1800.00 | 2/22/2020 | $445.96 | $429.88 | $0.00 | $0.00 | $875.84 | 3/22/2020 | $505.11 | $370.73 | $0.00 | $0.00 | $875.84 | 4/22/2020 | $602.25 | $297.75 | $0.00 | $0.00 | $900.00 | 5/22/2020 | $336.66 | $563.34 | $0.00 | $0.00 | $900.00 | 6/22/2020 | $577.32 | $322.68 | $0.00 | $0.00 | $900.00 | 7/22/2020 | $412.15 | $487.85 | $0.00 | $0.00 | $900.00 | 8/22/2020 | $567.04 | $332.96 | $0.00 | $0.00 | $900.00 | 9/22/2020 | $321.01 | $578.99 | $0.00 | $0.00 | $900.00 | 10/22/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.03 | 1.02 | 1.03 |  | 11/5/2020 |
| 3158542488 | 36 | XXX | XXX | XXX | OH | XXXX | $60650.38 | 8.550% | Completed | Clayton | Current | $60812.60 | $0.00 | $0.00 | Missing | $559.36 | $559.36 | No | $0.00 | $0.00 | 9/10/2020 | 10/10/2020 | 9/12/2020 | 9/30/2020 | $0.64 | $559.36 | $0.00 | $0.00 | $560.00 | 11/10/2017 | $103.55 | $456.45 | $0.00 | $0.00 | $560.00 | 12/10/2017 | $105.89 | $454.11 | $0.00 | $0.00 | $560.00 | 1/10/2018 | $106.61 | $453.39 | $0.00 | $0.00 | $560.00 | 2/10/2018 | $107.39 | $452.61 | $0.00 | $0.00 | $560.00 | 3/10/2018 | $198.51 | $361.49 | $0.00 | $0.00 | $560.00 | 4/10/2018 | $0.64 | $559.36 | $0.00 | $0.00 | $560.00 | 5/10/2018 | $98.26 | $461.74 | $0.00 | $0.00 | $560.00 | 6/10/2018 | $140.21 | $419.79 | $0.00 | $0.00 | $560.00 | 7/10/2018 | $111.21 | $448.79 | $0.00 | $0.00 | $560.00 | 8/10/2018 | $82.10 | $477.90 | $0.00 | $0.00 | $560.00 | 9/10/2018 | $97.66 | $462.34 | $0.00 | $0.00 | $560.00 | 10/10/2018 | $68.56 | $491.44 | $0.00 | $0.00 | $560.00 | 11/10/2018 | $143.49 | $416.51 | $0.00 | $0.00 | $560.00 | 12/10/2018 | $114.75 | $445.25 | $0.00 | $0.00 | $560.00 | 1/10/2019 | $145.16 | $414.84 | $0.00 | $0.00 | $560.00 | 2/10/2019 | $116.54 | $443.46 | $0.00 | $0.00 | $560.00 | 3/10/2019 | $132.15 | $427.85 | $0.00 | $0.00 | $560.00 | 4/10/2019 | $0.00 | $560.00 | $0.00 | $0.00 | $560.00 | 5/10/2019 | $163.03 | $396.97 | $0.00 | $0.00 | $560.00 | 6/10/2019 | $119.47 | $440.53 | $0.00 | $0.00 | $560.00 | 7/10/2019 | $149.59 | $410.41 | $0.00 | $0.00 | $560.00 | 8/10/2019 | $106.70 | $453.30 | $0.00 | $0.00 | $560.00 | 9/10/2019 | $19.94 | $540.06 | $0.00 | $0.00 | $560.00 | 10/10/2019 | $151.43 | $408.57 | $0.00 | $0.00 | $560.00 | 11/10/2019 | $94.20 | $465.80 | $0.00 | $0.00 | $560.00 | 12/10/2019 | $211.18 | $348.82 | $0.00 | $0.00 | $560.00 | 1/10/2020 | $67.84 | $492.16 | $0.00 | $0.00 | $560.00 | 2/10/2020 | $54.98 | $505.02 | $0.00 | $0.00 | $560.00 | 3/10/2020 | $141.92 | $418.08 | $0.00 | $0.00 | $560.00 | 4/10/2020 | $157.27 | $402.73 | $0.00 | $0.00 | $560.00 | 5/10/2020 | $158.30 | $401.70 | $0.00 | $0.00 | $560.00 | 6/10/2020 | $130.71 | $429.29 | $0.00 | $0.00 | $560.00 | 7/10/2020 | $103.07 | $456.93 | $0.00 | $0.00 | $560.00 | 8/10/2020 | $103.84 | $456.16 | $0.00 | $0.00 | $560.00 | 9/10/2020 | $104.62 | $455.38 | $0.00 | $0.00 | $560.00 | 10/10/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158542490 | 36 | XXX | XXX | XXX | AZ | XXXX | $39804.53 | 4.500% | Completed | Clayton | Current | $39838.90 | $0.00 | $0.00 | Missing | $306.12 | $181.31 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/1/2020 | 9/30/2020 | $572.70 | $255.08 | $0.00 | $0.00 | $827.78 | 11/7/2017 | $567.52 | $260.26 | $0.00 | $0.00 | $827.78 | 12/7/2017 | $579.11 | $248.67 | $0.00 | $0.00 | $827.78 | 1/7/2018 | $574.18 | $253.60 | $0.00 | $0.00 | $827.78 | 2/7/2018 | $577.41 | $250.37 | $0.00 | $0.00 | $827.78 | 3/7/2018 | $604.77 | $223.01 | $0.00 | $0.00 | $827.78 | 4/7/2018 | $584.39 | $243.39 | $0.00 | $0.00 | $827.78 | 5/7/2018 | $603.26 | $224.52 | $0.00 | $0.00 | $827.78 | 6/7/2018 | $583.55 | $244.23 | $0.00 | $0.00 | $827.78 | 7/7/2018 | $602.19 | $225.59 | $0.00 | $0.00 | $827.78 | 8/7/2018 | $598.18 | $229.60 | $0.00 | $0.00 | $827.78 | 9/7/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/7/2018 | $382.82 | $444.96 | $0.00 | $0.00 | $827.78 | 10/7/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/7/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/7/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/7/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/7/2018 | $0.00 | $552.20 | $0.00 | $0.00 | $552.20 | 10/7/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/7/2018 | $42.65 | $144.19 | $91.16 | $0.00 | $278.00 | 7/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2019 | $22.36 | $158.95 | $91.16 | $0.00 | $272.47 | 8/1/2019 | $27.41 | $153.90 | $125.60 | $0.00 | $306.91 | 9/1/2019 | $27.53 | $153.78 | $125.60 | $0.00 | $306.91 | 10/1/2019 | $32.58 | $148.73 | $125.60 | $0.00 | $306.91 | 11/1/2019 | $27.75 | $153.56 | $125.60 | $0.00 | $306.91 | 12/1/2019 | $32.81 | $148.50 | $125.60 | $0.00 | $306.91 | 1/1/2020 | $27.98 | $153.33 | $124.81 | $0.00 | $306.12 | 2/1/2020 | $28.51 | $152.80 | $124.81 | $0.00 | $306.12 | 3/1/2020 | $38.46 | $142.85 | $124.81 | $0.00 | $306.12 | 4/1/2020 | $28.77 | $152.54 | $124.81 | $0.00 | $306.12 | 5/1/2020 | $33.79 | $147.52 | $124.81 | $0.00 | $306.12 | 6/1/2020 | $29.00 | $152.31 | $124.81 | $0.00 | $306.12 | 7/1/2020 | $34.02 | $147.29 | $124.81 | $0.00 | $306.12 | 8/1/2020 | $29.24 | $152.07 | $124.81 | $0.00 | $306.12 | 9/1/2020 | $29.35 | $151.96 | $124.81 | $0.00 | $306.12 | 10/1/2020 |  |  |  |  | 000000000000012345600000000000000000 | 000000000000012345600000000000000000 | TRUE | 1 | 1 | 1 | 3 | 1.00 | 1.00 | 0.99 | • A loan modification was completed in May 2019. | 11/5/2020 |
| 3158542510 | 36 | XXX | XXX | XXX | OH | XXXX | $113570.39 | 3.000% | Completed | Clayton | Current | $113793.25 | $0.00 | $0.00 | Missing | $505.85 | $505.85 | No | $0.00 | $0.00 | 9/3/2020 | 10/3/2020 | 9/1/2020 | 9/30/2020 | $216.32 | $289.68 | $0.00 | $0.00 | $506.00 | 11/3/2017 | $216.84 | $289.16 | $0.00 | $0.00 | $506.00 | 12/3/2017 | $217.35 | $288.65 | $0.00 | $0.00 | $506.00 | 1/3/2018 | $198.00 | $308.00 | $0.00 | $0.00 | $506.00 | 2/3/2018 | $198.48 | $307.52 | $0.00 | $0.00 | $506.00 | 3/3/2018 | $228.72 | $277.28 | $0.00 | $0.00 | $506.00 | 4/3/2018 | $199.59 | $306.41 | $0.00 | $0.00 | $506.00 | 5/3/2018 | $190.22 | $315.78 | $0.00 | $0.00 | $506.00 | 6/3/2018 | $220.29 | $285.71 | $0.00 | $0.00 | $506.00 | 7/3/2018 | $191.31 | $314.69 | $0.00 | $0.00 | $506.00 | 8/3/2018 | $211.45 | $294.55 | $0.00 | $0.00 | $506.00 | 9/3/2018 | $182.57 | $323.43 | $0.00 | $0.00 | $506.00 | 10/3/2018 | $216.43 | $293.57 | $0.00 | $0.00 | $510.00 | 11/3/2018 | $224.72 | $283.28 | $0.00 | $0.00 | $508.00 | 12/3/2018 | $217.51 | $292.49 | $0.00 | $0.00 | $510.00 | 1/3/2019 | $218.03 | $291.97 | $0.00 | $0.00 | $510.00 | 2/3/2019 | $199.14 | $310.86 | $0.00 | $0.00 | $510.00 | 3/3/2019 | $236.47 | $271.53 | $0.00 | $0.00 | $508.00 | 4/3/2019 | $209.98 | $300.02 | $0.00 | $0.00 | $510.00 | 5/3/2019 | $210.52 | $299.48 | $0.00 | $0.00 | $510.00 | 6/3/2019 | $230.34 | $279.66 | $0.00 | $0.00 | $510.00 | 7/3/2019 | $211.60 | $298.40 | $0.00 | $0.00 | $510.00 | 8/3/2019 | $221.78 | $288.22 | $0.00 | $0.00 | $510.00 | 9/3/2019 | $193.57 | $316.43 | $0.00 | $0.00 | $510.00 | 10/3/2019 | $222.81 | $287.19 | $0.00 | $0.00 | $510.00 | 11/3/2019 | $223.36 | $286.64 | $0.00 | $0.00 | $510.00 | 12/3/2019 | $233.45 | $276.55 | $0.00 | $0.00 | $510.00 | 1/3/2020 | $195.96 | $314.04 | $0.00 | $0.00 | $510.00 | 2/3/2020 | $225.75 | $284.25 | $0.00 | $0.00 | $510.00 | 3/3/2020 | $245.20 | $264.80 | $0.00 | $0.00 | $510.00 | 4/3/2020 | $198.58 | $311.42 | $0.00 | $0.00 | $510.00 | 5/3/2020 | $208.55 | $301.45 | $0.00 | $0.00 | $510.00 | 6/3/2020 | $246.72 | $263.28 | $0.00 | $0.00 | $510.00 | 7/3/2020 | $200.36 | $309.64 | $0.00 | $0.00 | $510.00 | 8/3/2020 | $229.00 | $281.00 | $0.00 | $0.00 | $510.00 | 9/3/2020 | $248.26 | $261.74 | $0.00 | $0.00 | $510.00 | 10/3/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.01 | 1.01 | 1.01 |  | 11/5/2020 |
| 3158537655 | 36 | XXX | XXX | XXX | CA | XXXX | $498476.04 | 3.875% | Completed | Clayton | Current | $499191.37 | $0.00 | $0.00 | Missing | $2492.20 | $1893.20 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/5/2020 | 9/30/2020 | $1137.41 | $755.79 | $516.06 | $0.00 | $2409.26 | 11/1/2017 | $1270.62 | $2515.78 | $1056.67 | $0.00 | $4843.07 | 1/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/1/2018 | $659.15 | $1234.05 | $540.61 | $567.96 | $3001.77 | 2/1/2018 | $619.13 | $1274.07 | $540.61 | $0.00 | $2433.81 | 3/1/2018 | $1365.51 | $2420.89 | $1081.22 | $0.00 | $4867.62 | 5/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2018 | $624.23 | $1268.97 | $540.61 | $0.00 | $2433.81 | 6/1/2018 | $707.36 | $1185.84 | $569.94 | $0.00 | $2463.14 | 7/1/2018 | $586.08 | $1401.78 | $569.94 | $0.00 | $2557.80 | 8/1/2018 | $669.62 | $1318.24 | $569.94 | $0.00 | $2557.80 | 9/1/2018 | $629.66 | $1263.54 | $569.94 | $0.00 | $2463.14 | 10/1/2018 | $631.00 | $1262.20 | $569.94 | $0.00 | $2463.14 | 11/1/2018 | $673.72 | $1030.16 | $569.94 | $0.00 | $2273.82 | 12/1/2018 | $824.27 | $1258.25 | $569.94 | $0.00 | $2652.46 | 1/1/2019 | $677.41 | $1215.79 | $569.94 | $0.00 | $2463.14 | 2/1/2019 | $678.92 | $1214.28 | $569.94 | $0.00 | $2463.14 | 3/1/2019 | $1362.46 | $2423.94 | $1139.88 | $0.00 | $4926.28 | 5/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2019 | $643.60 | $1249.60 | $569.94 | $0.00 | $2463.14 | 6/1/2019 | $685.28 | $1207.92 | $587.25 | $0.00 | $2480.45 | 7/1/2019 | $646.38 | $1246.82 | $587.25 | $0.00 | $2480.45 | 8/1/2019 | $688.32 | $1204.88 | $587.25 | $0.00 | $2480.45 | 9/1/2019 | $649.63 | $1243.57 | $587.25 | $0.00 | $2480.45 | 10/1/2019 | $651.20 | $1242.00 | $587.25 | $0.00 | $2480.45 | 11/1/2019 | $732.67 | $1160.53 | $587.25 | $0.00 | $2480.45 | 12/1/2019 | $613.91 | $1563.27 | $587.25 | $0.00 | $2764.43 | 1/1/2020 | $884.63 | $913.91 | $587.25 | $0.00 | $2385.79 | 2/1/2020 | $657.47 | $1235.73 | $587.25 | $0.00 | $2480.45 | 3/1/2020 | $1407.10 | $2379.24 | $1174.56 | $0.00 | $4960.90 | 5/1/2020 | $1045.05 | $1226.79 | $587.25 | $0.00 | $2859.09 | 6/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/1/2020 | $709.48 | $1183.72 | $599.00 | $0.00 | $2492.20 | 7/1/2020 | $671.10 | $1229.90 | $599.00 | $0.00 | $2500.00 | 8/1/2020 | $711.98 | $1173.42 | $599.00 | $0.00 | $2484.40 | 9/1/2020 | $674.30 | $1218.90 | $599.00 | $0.00 | $2492.20 | 10/1/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 0.87 | 1.02 | 1.01 |  | 11/5/2020 |
| 3158537799 | 36 | XXX | XXX | XXX | GA | XXXX | $34900.26 | 3.625% | Completed | Clayton | Current | $34931.91 | $0.00 | $0.00 | 4.375% | $417.56 | $138.90 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/1/2020 | 9/30/2020 | $0.00 | $212.34 | $506.19 | $0.00 | $718.53 | 10/1/2017 | $0.00 | $137.13 | $584.87 | $0.00 | $722.00 | 11/1/2017 | $177.83 | $132.71 | $439.46 | $0.00 | $750.00 | 12/1/2017 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/1/2017 | $66.09 | $281.23 | $552.68 | $0.00 | $900.00 | 1/1/2018 | $1887.85 | $200.55 | $573.02 | $0.00 | $2661.42 | 5/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2018 | $3.75 | $227.94 | $573.02 | $0.00 | $804.71 | 6/1/2018 | $324.45 | $126.16 | $286.51 | $0.00 | $737.12 | 7/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2018 | $626.78 | $300.20 | $573.02 | $0.00 | $1500.00 | 9/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/1/2018 | $318.81 | $0.00 | $286.51 | $0.00 | $730.51 | 10/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/1/2018 | $1004.89 | $0.00 | $859.53 | $0.00 | $2150.00 | 1/1/2019 | $315.72 | $0.00 | $360.73 | $0.00 | $850.00 | 2/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 3/1/2019 | $729.03 | $209.51 | $721.46 | $0.00 | $1660.00 | 4/1/2019 | $322.63 | $98.55 | $360.73 | $0.00 | $781.91 | 5/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2019 | $561.44 | $217.10 | $721.46 | $0.00 | $1500.00 | 7/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2019 | $0.00 | $401.38 | $48.01 | $0.00 | $449.39 | 7/1/2019 | $0.00 | $118.05 | $331.34 | $0.00 | $449.39 | 8/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/1/2019 | $0.00 | $114.67 | $334.72 | $0.00 | $449.39 | 8/1/2019 | $47.76 | $91.14 | $305.75 | $0.00 | $444.65 | 4/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/1/2020 | $24.10 | $114.80 | $305.75 | $0.00 | $444.65 | 5/1/2020 | $76.29 | $201.51 | $557.32 | $0.00 | $835.12 | 7/1/2020 | $31.37 | $0.00 | $278.66 | $0.00 | $417.56 | 8/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/1/2020 | $17.60 | $0.00 | $278.66 | $0.00 | $417.56 | 9/1/2020 | $41.91 | $0.00 | $278.66 | $0.00 | $417.56 | 10/1/2020 |  |  |  |  | 111210000101120000010123445600000000 | 111220000101120000010123445600000000 | FALSE | 8 | 4 | 1 | 4 | 1.00 | 0.96 | 1.79 | • A loan modification was completed in February 2020. | 11/5/2020 |
| 3158538756 | 36 | XXX | XXX | XXX | IL | XXXX | $190183.30 | 4.375% | Completed | Clayton | Current | $190183.30 | $0.00 | $0.00 | Missing | $1739.28 | $951.15 | Yes | $0.00 | $0.00 | 10/1/2020 | 11/1/2020 | 9/25/2020 | 9/30/2020 | $186.75 | $797.69 | $665.56 | $0.00 | $1650.00 | 11/1/2017 | $234.92 | $716.23 | $665.56 | $133.29 | $1750.00 | 12/1/2017 | $211.72 | $739.43 | $665.56 | $83.29 | $1700.00 | 1/1/2018 | $236.24 | $714.91 | $665.56 | $0.00 | $1616.71 | 2/1/2018 | $213.47 | $737.68 | $665.56 | $25.00 | $1641.71 | 3/1/2018 | $251.91 | $699.24 | $665.56 | $0.00 | $1616.71 | 4/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/1/2018 | $502.70 | $1474.60 | $1331.12 | $30.00 | $3338.42 | 6/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/1/2018 | $458.24 | $1479.06 | $1331.12 | $35.29 | $3303.71 | 8/1/2018 | $242.19 | $708.96 | $665.56 | $50.00 | $1666.71 | 9/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/1/2018 | $439.74 | $1465.92 | $1334.48 | $95.00 | $3335.14 | 11/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 11/1/2018 | $244.65 | $807.14 | $668.92 | $0.00 | $1720.71 | 12/1/2018 | $221.93 | $779.22 | $668.92 | $0.00 | $1670.07 | 1/1/2019 | $246.08 | $760.92 | $668.92 | $0.00 | $1675.92 | 2/1/2019 | $246.92 | $762.23 | $668.92 | $0.00 | $1678.07 | 3/1/2019 | $200.51 | $800.64 | $668.92 | $0.00 | $1670.07 | 4/1/2019 | $295.44 | $680.71 | $668.92 | $0.00 | $1645.07 | 5/1/2019 | $275.19 | $974.09 | $668.92 | $0.00 | $1918.20 | 6/1/2019 | $302.34 | $723.81 | $668.92 | $0.00 | $1695.07 | 7/1/2019 | $281.53 | $699.55 | $668.92 | $0.00 | $1650.00 | 8/1/2019 | $309.26 | $721.82 | $668.92 | $0.00 | $1700.00 | 9/1/2019 | $245.73 | $720.73 | $742.99 | $0.00 | $1709.45 | 11/1/2019 | $277.92 | $673.23 | $768.85 | $0.00 | $1720.00 | 12/1/2019 | $209.48 | $741.67 | $733.30 | $0.00 | $1684.45 | 1/1/2020 | $256.66 | $694.49 | $748.85 | $0.00 | $1700.00 | 2/1/2020 | $234.89 | $1218.68 | $1341.43 | $0.00 | $2795.00 | 3/1/2020 | $523.00 | $877.85 | $1466.60 | $498.13 | $3365.58 | 5/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2020 | $240.07 | $711.08 | $733.30 | $0.00 | $1684.45 | 6/1/2020 | $264.22 | $687.48 | $733.30 | $0.00 | $1685.00 | 7/1/2020 | $507.37 | $1394.93 | $1466.60 | $0.00 | $3368.90 | 9/1/2020 | $244.06 | $707.09 | $733.30 | $0.00 | $1684.45 | 10/1/2020 | $268.52 | $683.35 | $1455.91 | $0.00 | $2407.78 | 11/1/2020 |  |  |  |  | 000000101001011101111111111100000000 | 000000101001011101111111111100000000 | TRUE | 17 | 0 | 0 | 0 | 1.00 | 1.08 | 1.08 |  | 11/5/2020 |
| 3158539660 | 36 | XXX | XXX | XXX | CA | XXXX | $103061.71 | 5.700% | Completed | Clayton | Current | $103531.16 | $0.00 | $0.00 | Missing | $1202.27 | $947.19 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/1/2020 | 9/30/2020 | $741.04 | $1153.34 | $517.78 | $0.00 | $2412.16 | 12/1/2017 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/1/2017 | $767.09 | $1127.29 | $517.78 | $0.00 | $2412.16 | 2/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/1/2018 | $377.21 | $569.98 | $258.89 | $0.00 | $1206.08 | 3/1/2018 | $835.45 | $1080.12 | $496.59 | $0.00 | $2412.16 | 5/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2018 | $403.96 | $564.42 | $303.18 | $0.00 | $1271.56 | 6/1/2018 | $436.23 | $526.14 | $244.43 | $0.00 | $1206.80 | 7/1/2018 | $386.93 | $578.64 | $244.43 | $0.00 | $1210.00 | 8/1/2018 | $425.26 | $540.31 | $244.43 | $0.00 | $1210.00 | 9/1/2018 | $406.21 | $556.36 | $244.43 | $0.00 | $1207.00 | 10/1/2018 | $411.25 | $554.32 | $244.43 | $0.00 | $1210.00 | 11/1/2018 | $430.98 | $534.59 | $244.43 | $0.00 | $1210.00 | 12/1/2018 | $425.23 | $550.34 | $244.43 | $0.00 | $1220.00 | 1/1/2019 | $445.01 | $530.56 | $244.43 | $0.00 | $1220.00 | 2/1/2019 | $451.88 | $528.69 | $244.43 | $0.00 | $1225.00 | 3/1/2019 | $876.71 | $1051.05 | $488.86 | $0.00 | $2416.62 | 5/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2019 | $441.27 | $539.30 | $291.89 | $0.00 | $1272.46 | 6/1/2019 | $455.39 | $520.25 | $249.36 | $0.00 | $1225.00 | 7/1/2019 | $415.19 | $535.45 | $249.36 | $0.00 | $1200.00 | 8/1/2019 | $434.57 | $516.07 | $249.36 | $0.00 | $1200.00 | 9/1/2019 | $419.39 | $531.25 | $249.36 | $0.00 | $1200.00 | 10/1/2019 | $421.34 | $529.30 | $249.36 | $0.00 | $1200.00 | 11/1/2019 | $467.47 | $493.17 | $249.36 | $0.00 | $1210.00 | 12/1/2019 | $863.25 | $1048.03 | $498.72 | $0.00 | $2410.00 | 2/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/1/2020 | $883.57 | $1037.71 | $498.72 | $0.00 | $2420.00 | 4/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/1/2020 | $488.84 | $481.80 | $249.36 | $0.00 | $1220.00 | 5/1/2020 | $467.73 | $512.91 | $307.34 | $0.00 | $1287.98 | 6/1/2020 | $476.92 | $494.08 | $255.08 | $0.00 | $1226.08 | 7/1/2020 | $917.92 | $998.00 | $510.16 | $0.00 | $2426.08 | 9/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/1/2020 | $451.13 | $503.79 | $255.08 | $0.00 | $1210.00 | 10/1/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.02 | 1.02 | 1.02 |  | 11/5/2020 |
| 3158539810 | 36 | XXX | XXX | XXX | FL | XXXX | $251496.48 | 5.000% | Completed | Clayton | Current | $251729.65 | $0.00 | $0.00 | Missing | $1239.64 | $1239.64 | No | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/4/2020 | 9/30/2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/5/2018 | $1126.64 | $873.36 | $0.00 | $0.00 | $2000.00 | 5/5/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/5/2018 | $1126.64 | $1073.36 | $0.00 | $0.00 | $2200.00 | 6/5/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/5/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/5/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/5/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/5/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/5/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/5/2018 | $645.11 | $607.09 | $0.00 | $0.00 | $1252.20 | 6/5/2018 | $481.53 | $770.47 | $0.00 | $0.00 | $1252.00 | 7/5/2018 | $1126.64 | $125.36 | $0.00 | $0.00 | $1252.00 | 8/5/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/5/2018 | $2159.04 | $332.96 | $0.00 | $0.00 | $2492.00 | 6/1/2019 | $289.32 | $949.96 | $0.00 | $0.00 | $1239.28 | 7/1/2019 | $147.11 | $1152.89 | $0.00 | $0.00 | $1300.00 | 8/1/2019 | $253.70 | $1046.30 | $0.00 | $0.00 | $1300.00 | 9/1/2019 | $159.12 | $1140.88 | $0.00 | $0.00 | $1300.00 | 10/1/2019 | $180.74 | $1019.26 | $0.00 | $0.00 | $1200.00 | 11/1/2019 | $195.55 | $1054.45 | $0.00 | $0.00 | $1250.00 | 12/1/2019 | $196.24 | $1053.76 | $0.00 | $0.00 | $1250.00 | 1/1/2020 | $183.35 | $1056.65 | $0.00 | $0.00 | $1240.00 | 2/1/2020 | $174.48 | $1075.52 | $0.00 | $0.00 | $1250.00 | 3/1/2020 | $166.87 | $1072.77 | $0.00 | $0.00 | $1239.64 | 4/1/2020 | $256.86 | $1002.78 | $0.00 | $0.00 | $1259.64 | 5/1/2020 | $168.36 | $1071.28 | $0.00 | $0.00 | $1239.64 | 6/1/2020 | $248.81 | $1001.19 | $0.00 | $0.00 | $1250.00 | 7/1/2020 | $135.76 | $1104.24 | $0.00 | $0.00 | $1240.00 | 8/1/2020 | $205.61 | $1033.67 | $0.00 | $0.00 | $1239.28 | 9/1/2020 | $232.10 | $1067.90 | $0.00 | $0.00 | $1300.00 | 10/1/2020 | 10/1/2017 | 4/29/2018 |  |  | 012345000123457877900000000000000000 | 012345000123457877900000000000000000 | TRUE | 2 | 2 | 2 | 9 | 1.01 | 1.01 | 0.89 | • The due date was advanced by the servicer in May 2019 without corresponding cash reported in the pay history. | 11/5/2020 |
| 3158537886 | 36 | XXX | XXX | XXX | IL | XXXX | $82939.58 | 3.125% | Completed | Clayton | Current | $83048.16 | $0.00 | $0.00 | Missing | $1027.54 | $321.30 | Yes | $0.00 | $0.00 | 10/1/2020 | 11/1/2020 | 9/15/2020 | 9/30/2020 | $4.59 | $229.64 | $791.23 | $0.00 | $1025.46 | 12/1/2017 | $91.68 | $229.62 | $704.16 | $0.00 | $1025.46 | 1/1/2018 | $91.91 | $229.39 | $704.16 | $0.00 | $1025.46 | 2/1/2018 | $99.55 | $221.75 | $704.16 | $0.00 | $1025.46 | 3/1/2018 | $48.13 | $273.17 | $704.16 | $0.00 | $1025.46 | 4/1/2018 | $166.34 | $154.96 | $704.16 | $0.00 | $1025.46 | 5/1/2018 | $92.99 | $228.31 | $704.16 | $0.00 | $1025.46 | 6/1/2018 | $63.82 | $257.48 | $704.16 | $0.00 | $1025.46 | 7/1/2018 | $71.35 | $249.95 | $704.16 | $0.00 | $1025.46 | 8/1/2018 | $115.64 | $205.66 | $704.16 | $0.00 | $1025.46 | 9/1/2018 | $137.92 | $183.38 | $704.16 | $0.00 | $1025.46 | 10/1/2018 | $94.28 | $227.02 | $682.73 | $0.00 | $1004.03 | 11/1/2018 | $101.83 | $219.47 | $682.73 | $0.00 | $1004.03 | 12/1/2018 | $94.80 | $226.50 | $682.73 | $0.00 | $1004.03 | 1/1/2019 | $102.34 | $218.96 | $682.73 | $0.00 | $1004.03 | 2/1/2019 | $58.87 | $262.43 | $682.73 | $0.00 | $1004.03 | 3/1/2019 | $117.32 | $203.98 | $682.73 | $0.00 | $1004.03 | 4/1/2019 | $132.16 | $189.14 | $682.73 | $0.00 | $1004.03 | 5/1/2019 | $88.87 | $232.43 | $682.73 | $0.00 | $1004.03 | 6/1/2019 | $118.13 | $203.17 | $682.73 | $0.00 | $1004.03 | 7/1/2019 | $67.69 | $253.61 | $682.73 | $0.00 | $1004.03 | 8/1/2019 | $118.58 | $202.72 | $686.79 | $0.00 | $1008.09 | 9/1/2019 | $104.40 | $216.90 | $686.79 | $0.00 | $1008.09 | 10/1/2019 | $54.03 | $238.29 | $742.51 | $0.00 | $1034.83 | 11/1/2019 | $119.25 | $202.05 | $713.53 | $0.00 | $1034.83 | 12/1/2019 | $83.49 | $237.81 | $713.53 | $0.00 | $1034.83 | 1/1/2020 | $119.73 | $201.57 | $713.53 | $0.00 | $1034.83 | 2/1/2020 | $0.00 | $344.48 | $690.35 | $0.00 | $1034.83 | 3/1/2020 | $190.58 | $107.54 | $736.71 | $0.00 | $1034.83 | 4/1/2020 | $106.72 | $214.58 | $713.53 | $0.00 | $1034.83 | 5/1/2020 | $106.98 | $214.32 | $713.53 | $0.00 | $1034.83 | 6/1/2020 | $114.40 | $206.90 | $713.53 | $0.00 | $1034.83 | 7/1/2020 | $14.94 | $306.36 | $713.53 | $0.00 | $1034.83 | 8/1/2020 | $200.20 | $121.10 | $713.53 | $0.00 | $1034.83 | 9/1/2020 | $93.88 | $227.42 | $713.53 | $0.00 | $1034.83 | 10/1/2020 | $87.05 | $234.25 | $706.24 | $0.00 | $1027.54 | 11/1/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158539180 | 36 | XXX | XXX | XXX | TX | XXXX | $82657.46 | 8.600% | Completed | Clayton | Current | $82657.46 | $0.00 | $0.00 | Missing | $1313.25 | $1035.67 | Yes | $0.00 | $0.00 | 10/1/2020 | 11/1/2020 | 9/25/2020 | 9/30/2020 | $0.00 | $667.50 | $821.34 | $0.00 | $1488.84 | 12/1/2017 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/1/2017 | $439.94 | $1450.08 | $1087.66 | $0.00 | $2977.68 | 2/1/2018 | $352.44 | $733.23 | $403.17 | $0.00 | $1488.84 | 3/1/2018 | $398.59 | $662.08 | $368.01 | $0.00 | $1428.68 | 4/1/2018 | $378.58 | $682.09 | $341.23 | $0.00 | $1401.90 | 5/1/2018 | $391.25 | $679.42 | $329.90 | $0.00 | $1400.57 | 6/1/2018 | $439.03 | $631.64 | $329.90 | $0.00 | $1400.57 | 7/1/2018 | $329.66 | $741.01 | $329.90 | $0.00 | $1400.57 | 8/1/2018 | $399.46 | $671.21 | $329.90 | $0.00 | $1400.57 | 9/1/2018 | $350.34 | $735.33 | $329.90 | $0.00 | $1415.57 | 10/1/2018 | $464.14 | $621.53 | $329.90 | $0.00 | $1415.57 | 11/1/2018 | $356.77 | $728.90 | $329.90 | $0.00 | $1415.57 | 12/1/2018 | $425.55 | $660.12 | $329.90 | $0.00 | $1415.57 | 1/1/2019 | $472.37 | $613.30 | $329.90 | $0.00 | $1415.57 | 2/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/1/2019 | $822.27 | $1349.07 | $659.80 | $0.00 | $2831.14 | 4/1/2019 | $489.31 | $626.36 | $275.79 | $0.00 | $1391.46 | 5/1/2019 | $423.20 | $687.47 | $275.79 | $0.00 | $1386.46 | 6/1/2019 | $447.78 | $662.89 | $275.79 | $0.00 | $1386.46 | 7/1/2019 | $514.89 | $595.78 | $275.79 | $0.00 | $1386.46 | 8/1/2019 | $412.49 | $698.18 | $275.79 | $0.00 | $1386.46 | 9/1/2019 | $478.88 | $631.79 | $275.79 | $0.00 | $1386.46 | 10/1/2019 | $482.27 | $628.40 | $275.79 | $0.00 | $1386.46 | 11/1/2019 | $443.90 | $666.77 | $275.79 | $0.00 | $1386.46 | 12/1/2019 | $530.27 | $580.40 | $275.79 | $0.00 | $1386.46 | 1/1/2020 | $430.63 | $680.04 | $275.79 | $0.00 | $1386.46 | 2/1/2020 | $476.78 | $633.89 | $275.79 | $0.00 | $1386.46 | 3/1/2020 | $515.98 | $589.69 | $275.79 | $0.00 | $1381.46 | 4/1/2020 | $539.71 | $565.96 | $277.58 | $0.00 | $1383.25 | 5/1/2020 | $422.83 | $662.84 | $277.58 | $0.00 | $1363.25 | 6/1/2020 | $506.05 | $579.62 | $277.58 | $0.00 | $1363.25 | 7/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2020 | $922.70 | $1248.64 | $555.16 | $0.00 | $2726.50 | 9/1/2020 | $446.14 | $589.53 | $277.58 | $0.00 | $1313.25 | 10/1/2020 | $527.36 | $508.31 | $277.58 | $0.00 | $1313.25 | 11/1/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.03 | 1.05 | 1.06 |  | 11/5/2020 |
| 3158540201 | 36 | XXX | XXX | XXX | LA | XXXX | $41799.15 | 5.250% | Completed | Clayton | Current | $42110.21 | $0.00 | $0.00 | Missing | $566.68 | $499.25 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/1/2020 | 9/30/2020 | $36.69 | $225.31 | $0.00 | $0.00 | $262.00 | 1/25/2016 | $262.00 | $0.00 | $0.00 | $0.00 | $262.00 | 1/25/2016 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/1/2018 | $499.25 | $0.00 | $24.75 | $0.00 | $524.00 | 2/1/2018 | $94.23 | $314.51 | $48.44 | $0.00 | $457.18 | 3/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/1/2018 | $499.25 | $0.00 | $73.19 | $0.00 | $572.44 | 2/1/2018 | $184.51 | $314.74 | $73.19 | $0.00 | $572.44 | 3/1/2018 | $235.34 | $263.91 | $73.19 | $0.00 | $572.44 | 4/1/2018 | $1051.90 | $947.08 | $597.11 | $0.00 | $2596.09 | 8/1/2018 | $4278.96 | $484.13 | $235.04 | $0.00 | $4998.13 | 10/1/2018 | $616.77 | $0.00 | $0.00 | $0.00 | $616.77 | 10/1/2018 | $270.04 | $229.21 | $117.52 | $0.00 | $616.77 | 11/1/2018 | $287.08 | $212.17 | $117.52 | $0.00 | $616.77 | 12/1/2018 | $281.31 | $217.94 | $117.52 | $0.00 | $616.77 | 1/1/2019 | $289.50 | $209.75 | $117.52 | $0.00 | $616.77 | 2/1/2019 | $283.80 | $215.45 | $117.52 | $0.00 | $616.77 | 3/1/2019 | $292.01 | $207.24 | $85.25 | $0.00 | $584.50 | 4/1/2019 | $307.00 | $192.25 | $85.25 | $0.00 | $584.50 | 5/1/2019 | $280.85 | $218.40 | $85.25 | $0.00 | $584.50 | 6/1/2019 | $295.85 | $203.40 | $85.25 | $0.00 | $584.50 | 7/1/2019 | $290.33 | $208.92 | $85.25 | $0.00 | $584.50 | 8/1/2019 | $298.32 | $200.93 | $85.25 | $0.00 | $584.50 | 9/1/2019 | $292.90 | $206.35 | $93.61 | $0.00 | $592.86 | 10/1/2019 | $294.28 | $204.97 | $93.61 | $0.00 | $592.86 | 11/1/2019 | $302.17 | $197.08 | $93.61 | $0.00 | $592.86 | 12/1/2019 | $303.40 | $195.85 | $93.61 | $0.00 | $592.86 | 1/1/2020 | $298.29 | $200.96 | $93.61 | $0.00 | $592.86 | 2/1/2020 | $299.69 | $199.56 | $93.61 | $0.00 | $592.86 | 3/1/2020 | $301.39 | $197.86 | $93.61 | $0.00 | $592.86 | 4/1/2020 | $315.42 | $183.83 | $93.61 | $0.00 | $592.86 | 5/1/2020 | $304.17 | $195.08 | $93.61 | $0.00 | $592.86 | 6/1/2020 | $317.95 | $181.30 | $93.61 | $0.00 | $592.86 | 7/1/2020 | $300.71 | $198.54 | $93.61 | $0.00 | $592.86 | 8/1/2020 | $314.40 | $184.85 | $93.61 | $0.00 | $592.86 | 9/1/2020 | $309.63 | $189.62 | $67.43 | $0.00 | $566.68 | 10/1/2020 |  |  |  |  | 990003233000000000000000000000000000 | 990003333000000000000000000000000000 | FALSE | 0 | 0 | 4 | 2 | 1.00 | 1.00 | 1.00 | • A loan modification was completed in December 2017.<br> • A payment misapplication was corrected in March 2018<br> • A payment misapplication was corrected in July 2018 | 11/5/2020 |
| 3158540690 | 36 | XXX | XXX | XXX | MI | XXXX | $69838.60 | 4.125% | Completed | Clayton | Current | $69838.60 | $0.00 | $0.00 | Missing | $604.71 | $341.56 | Yes | $0.00 | $0.00 | 10/1/2020 | 11/1/2020 | 9/28/2020 | 9/30/2020 | $145.89 | $195.23 | $243.88 | $0.00 | $585.00 | 12/1/2017 | $104.36 | $251.76 | $243.88 | $0.00 | $600.00 | 1/1/2018 | $112.94 | $243.18 | $243.88 | $0.00 | $600.00 | 2/1/2018 | $105.20 | $250.92 | $243.88 | $0.00 | $600.00 | 3/1/2018 | $105.56 | $250.56 | $243.88 | $0.00 | $600.00 | 4/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/1/2018 | $286.48 | $475.76 | $487.76 | $0.00 | $1250.00 | 6/1/2018 | $122.98 | $233.14 | $243.88 | $0.00 | $600.00 | 7/1/2018 | $119.23 | $256.89 | $243.88 | $0.00 | $620.00 | 8/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/1/2018 | $193.13 | $488.50 | $487.76 | $0.00 | $1169.39 | 10/1/2018 | $90.43 | $247.70 | $243.87 | $0.00 | $582.00 | 11/1/2018 | $155.22 | $240.91 | $243.87 | $0.00 | $640.00 | 12/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/1/2018 | $86.82 | $254.74 | $243.87 | $0.00 | $585.43 | 1/1/2019 | $110.01 | $246.12 | $243.87 | $0.00 | $600.00 | 2/1/2019 | $204.66 | $507.60 | $487.74 | $0.00 | $1200.00 | 4/1/2019 | $127.43 | $228.70 | $243.87 | $0.00 | $600.00 | 5/1/2019 | $89.31 | $252.82 | $243.87 | $0.00 | $586.00 | 6/1/2019 | $101.84 | $244.29 | $243.87 | $0.00 | $590.00 | 7/1/2019 | $104.01 | $252.12 | $243.87 | $0.00 | $600.00 | 8/1/2019 | $112.51 | $243.62 | $243.87 | $0.00 | $600.00 | 9/1/2019 | $90.19 | $251.37 | $460.45 | $0.00 | $802.01 | 10/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/1/2019 | $247.69 | $485.53 | $518.68 | $0.00 | $1251.90 | 12/1/2019 | $133.19 | $258.37 | $259.34 | $0.00 | $650.90 | 1/1/2020 | $159.01 | $241.65 | $259.34 | $0.00 | $660.00 | 2/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/1/2020 | $131.63 | $249.03 | $259.34 | $0.00 | $640.00 | 3/1/2020 | $203.42 | $479.80 | $518.68 | $0.00 | $1201.90 | 5/1/2020 | $98.35 | $247.31 | $259.34 | $0.00 | $605.00 | 6/1/2020 | $151.84 | $238.82 | $259.34 | $0.00 | $650.00 | 7/1/2020 | $194.13 | $246.53 | $259.34 | $0.00 | $700.00 | 8/1/2020 | $153.53 | $238.03 | $259.34 | $0.00 | $650.90 | 9/1/2020 | $115.43 | $245.23 | $259.34 | $0.00 | $620.00 | 10/1/2020 | $150.05 | $236.80 | $263.15 | $0.00 | $650.00 | 11/1/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.13 | 1.20 | 1.07 |  | 11/5/2020 |
| 3158541034 | 36 | XXX | XXX | XXX | MI | XXXX | $63331.12 | 2.625% | Completed | Clayton | Current | $63331.12 | $0.00 | $0.00 | Missing | $481.37 | $229.81 | Yes | $0.00 | $0.00 | 10/1/2020 | 11/1/2020 | 9/30/2020 | 9/30/2020 | $35.11 | $153.38 | $220.35 | $0.00 | $408.84 | 11/1/2017 | $81.30 | $148.51 | $179.03 | $0.00 | $408.84 | 12/1/2017 | $95.84 | $133.97 | $179.03 | $0.00 | $408.84 | 1/1/2018 | $177.27 | $286.67 | $358.06 | $0.00 | $822.00 | 3/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 3/1/2018 | $65.19 | $166.78 | $179.03 | $0.00 | $411.00 | 4/1/2018 | $84.40 | $147.57 | $179.03 | $0.00 | $411.00 | 5/1/2018 | $199.64 | $261.30 | $358.06 | $25.00 | $844.00 | 7/1/2018 | $93.52 | $137.45 | $179.03 | $0.00 | $410.00 | 8/1/2018 | $88.97 | $142.00 | $179.03 | $0.00 | $410.00 | 9/1/2018 | $74.98 | $155.99 | $179.03 | $0.00 | $410.00 | 10/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/1/2018 | $173.61 | $287.94 | $386.52 | $0.00 | $848.07 | 12/1/2018 | $118.73 | $113.01 | $193.26 | $0.00 | $425.00 | 1/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/1/2019 | $142.03 | $319.52 | $386.52 | $0.00 | $848.07 | 3/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 3/1/2019 | $236.74 | $271.74 | $386.52 | $0.00 | $895.00 | 5/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2019 | $186.98 | $289.57 | $386.52 | $0.00 | $863.07 | 7/1/2019 | $101.26 | $130.48 | $193.26 | $0.00 | $425.00 | 8/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/1/2019 | $165.89 | $297.59 | $386.52 | $0.00 | $850.00 | 10/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/1/2019 | $76.91 | $153.14 | $229.95 | $0.00 | $460.00 | 11/1/2019 | $90.76 | $139.05 | $229.95 | $0.00 | $459.76 | 12/1/2019 | $86.33 | $143.48 | $229.95 | $0.00 | $459.76 | 1/1/2020 | $0.00 | $198.58 | $261.42 | $0.00 | $460.00 | 2/1/2020 | $182.68 | $78.36 | $198.48 | $0.00 | $459.52 | 3/1/2020 | $87.56 | $142.49 | $229.95 | $0.00 | $460.00 | 4/1/2020 | $96.93 | $133.12 | $229.95 | $0.00 | $460.00 | 5/1/2020 | $204.44 | $265.66 | $459.90 | $0.00 | $930.00 | 7/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2020 | $84.72 | $155.33 | $229.95 | $0.00 | $470.00 | 8/1/2020 | $191.04 | $269.06 | $459.90 | $0.00 | $920.00 | 10/1/2020 | $92.41 | $141.03 | $251.56 | $0.00 | $485.00 | 11/1/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.18 | 1.09 | 1.06 |  | 11/5/2020 |
| 3158541317 | 36 | XXX | XXX | XXX | WV | XXXX | $33484.13 | 7.750% | Completed | Clayton | Current | $33495.19 | $0.00 | $0.00 | 4.375% | $324.66 | $11.06 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/21/2020 | 9/30/2020 | $181.92 | $0.00 | $29.98 | $0.00 | $211.90 | 9/1/2017 | $41.04 | $0.00 | $170.86 | $0.00 | $211.90 | 9/1/2017 | $267.35 | $0.00 | $156.45 | $0.00 | $423.80 | 10/1/2017 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/1/2017 | $308.39 | $0.00 | $193.47 | $0.00 | $501.86 | 11/1/2017 | $308.39 | $0.00 | $193.47 | $0.00 | $501.86 | 12/1/2017 | $308.39 | $0.00 | $193.47 | $0.00 | $501.86 | 1/1/2018 | $308.39 | $0.00 | $193.47 | $0.00 | $501.86 | 2/1/2018 | $308.39 | $0.00 | $193.47 | $0.00 | $501.86 | 3/1/2018 | $308.39 | $0.00 | $193.47 | $0.00 | $501.86 | 4/1/2018 | $308.39 | $0.00 | $193.47 | $0.00 | $501.86 | 5/1/2018 | $308.39 | $0.00 | $193.47 | $0.00 | $501.86 | 6/1/2018 | $308.39 | $0.00 | $193.47 | $0.00 | $501.86 | 7/1/2018 | $308.39 | $0.00 | $193.47 | $0.00 | $501.86 | 8/1/2018 | $308.39 | $0.00 | $193.47 | $0.00 | $501.86 | 9/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 9/1/2018 | $154.84 | $0.00 | $4074.68 | $0.00 | $4229.52 | 11/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 11/1/2019 | $5866.00 | $0.00 | $627.20 | $0.00 | $6493.20 | 1/1/2020 | $22.12 | $0.00 | $627.20 | $0.00 | $649.32 | 3/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 3/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 3/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/1/2020 | $3782.60 | $0.00 | $1568.00 | $0.00 | $5350.60 | 8/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 8/1/2020 | $11.06 | $0.00 | $313.60 | $0.00 | $324.66 | 9/1/2020 | $11.06 | $0.00 | $313.60 | $0.00 | $324.66 | 10/1/2020 |  |  |  |  | 333455555555555678999999010001230000 | 333455555555555678999999010001230000 | TRUE | 2 | 1 | 4 | 21 | 57.33 | 74.20 | 40.58 | • A payment misapplication was corrected in October 2019 | 11/5/2020 |
| 3158541223 | 36 | XXX | XXX | XXX | CA | XXXX | $314178.50 | 2.000% | Completed | Clayton | Current | $314178.50 | $0.00 | $0.00 | Missing | $1434.06 | $1003.70 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 8/22/2020 | 9/30/2020 | $486.09 | $517.61 | $398.06 | $0.00 | $1401.76 | 10/1/2017 | $486.10 | $517.60 | $398.06 | $0.00 | $1401.76 | 11/1/2017 | $1003.70 | $0.00 | $346.80 | $0.00 | $1350.50 | 12/1/2017 | $0.00 | $1003.70 | $346.80 | $0.00 | $1350.50 | 1/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/1/2018 | $406.12 | $337.27 | $466.58 | $0.00 | $1209.97 | 2/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/1/2018 | $7315.52 | $4401.37 | $6918.05 | $0.00 | $18634.94 | 10/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 11/1/2018 | $1341.75 | $1668.83 | $1144.27 | $0.00 | $4154.85 | 11/1/2018 | $477.49 | $526.21 | $466.58 | $0.00 | $1470.28 | 12/1/2018 | $434.62 | $569.08 | $466.58 | $0.00 | $1470.28 | 1/1/2019 | $470.01 | $533.69 | $454.35 | $0.00 | $1458.05 | 2/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/1/2019 | $452.97 | $550.73 | $454.35 | $0.00 | $1458.05 | 3/1/2019 | $471.54 | $884.48 | $556.38 | $0.00 | $1912.40 | 4/1/2019 | $360.66 | $143.69 | $0.00 | $0.00 | $504.35 | 4/1/2019 | $1366.86 | $1644.24 | $1213.05 | $0.00 | $4224.15 | 7/1/2019 | $622.04 | $528.69 | $809.22 | $0.00 | $1959.95 | 9/1/2019 | $459.07 | $544.63 | $404.35 | $50.19 | $1458.24 | 10/1/2019 | $460.08 | $543.62 | $404.35 | $0.00 | $1408.05 | 11/1/2019 | $478.39 | $525.31 | $404.35 | $0.00 | $1408.05 | 12/1/2019 | $479.09 | $524.61 | $1622.44 | $0.00 | $2626.14 | 1/1/2020 | $462.51 | $541.19 | $418.49 | $0.00 | $1422.19 | 2/1/2020 | $463.62 | $540.08 | $418.49 | $0.00 | $1422.19 | 3/1/2020 | $465.44 | $538.26 | $418.49 | $0.00 | $1422.19 | 4/1/2020 | $501.00 | $502.70 | $418.49 | $0.00 | $1422.19 | 5/1/2020 | $467.15 | $536.55 | $418.49 | $0.00 | $1422.19 | 6/1/2020 | $502.56 | $501.14 | $430.36 | $0.00 | $1434.06 | 7/1/2020 | $451.58 | $552.12 | $430.36 | $0.00 | $1434.06 | 8/1/2020 | $486.74 | $516.96 | $430.36 | $0.00 | $1434.06 | 9/1/2020 | $470.32 | $533.38 | $430.36 | $0.00 | $1434.06 | 10/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/1/2020 |  |  |  |  | 111113456700111111120000000000000000 | 111123456700111111120000000000000000 | FALSE | 11 | 2 | 1 | 4 | 0.83 | 0.92 | 1.08 | • A payment misapplication was corrected in September 2018 | 11/5/2020 |
| 3158542213 | 36 | XXX | XXX | XXX | OH | XXXX | $73204.13 | 5.050% | Completed | Clayton | Current | $73204.13 | $0.00 | $0.00 | Missing | $632.19 | $403.72 | Yes | $0.00 | $0.00 | 10/1/2020 | 11/1/2020 | 9/30/2020 | 9/30/2020 | $27.65 | $328.57 | $243.78 | $0.00 | $600.00 | 12/1/2017 | $27.65 | $360.23 | $212.12 | $0.00 | $600.00 | 1/1/2018 | $27.65 | $307.15 | $265.20 | $0.00 | $600.00 | 2/1/2018 | $27.65 | $296.45 | $275.90 | $0.00 | $600.00 | 3/1/2018 | $27.65 | $296.34 | $276.01 | $0.00 | $600.00 | 4/1/2018 | $60.06 | $359.71 | $180.23 | $0.00 | $600.00 | 5/1/2018 | $103.65 | $327.72 | $168.63 | $0.00 | $600.00 | 6/1/2018 | $86.99 | $316.73 | $425.02 | $0.00 | $828.74 | 7/1/2018 | $128.57 | $305.80 | $165.63 | $0.00 | $600.00 | 8/1/2018 | $118.55 | $315.82 | $165.63 | $0.00 | $600.00 | 9/1/2018 | $35.83 | $367.89 | $200.77 | $0.00 | $604.49 | 10/1/2018 | $120.06 | $283.66 | $200.77 | $0.00 | $604.49 | 11/1/2018 | $99.53 | $304.19 | $200.77 | $0.00 | $604.49 | 12/1/2018 | $37.08 | $366.64 | $200.77 | $0.00 | $604.49 | 1/1/2019 | $110.54 | $293.18 | $200.77 | $0.00 | $604.49 | 2/1/2019 | $110.98 | $292.74 | $200.77 | $0.00 | $604.49 | 3/1/2019 | $48.77 | $354.95 | $200.77 | $0.00 | $604.49 | 4/1/2019 | $111.59 | $292.13 | $200.77 | $0.00 | $604.49 | 5/1/2019 | $101.61 | $302.11 | $200.77 | $0.00 | $604.49 | 6/1/2019 | $60.40 | $343.32 | $200.77 | $0.00 | $604.49 | 7/1/2019 | $97.37 | $311.86 | $200.77 | $0.00 | $610.00 | 8/1/2019 | $92.02 | $332.21 | $200.77 | $0.00 | $625.00 | 9/1/2019 | $98.16 | $311.07 | $260.77 | $0.00 | $670.00 | 10/1/2019 | $113.92 | $300.31 | $260.77 | $0.00 | $675.00 | 11/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 11/1/2019 | $237.69 | $640.77 | $521.54 | $0.00 | $1400.00 | 1/1/2020 | $160.93 | $278.30 | $260.77 | $0.00 | $700.00 | 2/1/2020 | $69.78 | $369.45 | $260.77 | $0.00 | $700.00 | 3/1/2020 | $152.32 | $286.91 | $260.77 | $0.00 | $700.00 | 4/1/2020 | $193.81 | $245.42 | $260.77 | $0.00 | $700.00 | 5/1/2020 | $102.63 | $336.60 | $260.77 | $0.00 | $700.00 | 6/1/2020 | $154.06 | $285.17 | $260.77 | $0.00 | $700.00 | 7/1/2020 | $83.50 | $355.73 | $260.77 | $0.00 | $700.00 | 8/1/2020 | $78.85 | $324.87 | $440.50 | $0.00 | $844.22 | 9/1/2020 | $136.88 | $334.65 | $228.47 | $0.00 | $700.00 | 10/1/2020 | $157.71 | $313.82 | $228.47 | $0.00 | $700.00 | 11/1/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.10 | 1.09 | 1.05 |  | 11/5/2020 |
| 3158537509 | 36 | XXX | XXX | XXX | LA | XXXX | $56687.03 | 4.010% | Completed | Clayton | Current | $56740.48 | $0.00 | $0.00 | Missing | $367.98 | $246.34 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/9/2020 | 9/30/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/25/2016 | $79.88 | $209.23 | $0.00 | $0.00 | $289.11 | 12/25/2016 | $244.58 | $44.53 | $0.00 | $0.00 | $289.11 | 1/25/2017 | $112.27 | $176.84 | $0.00 | $0.00 | $289.11 | 2/25/2017 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 3/1/2018 | $246.34 | $0.00 | $41.10 | $0.00 | $287.44 | 4/1/2018 | $0.66 | $245.68 | $41.10 | $0.00 | $287.44 | 5/1/2018 | $46.74 | $199.60 | $134.63 | $0.00 | $380.97 | 6/1/2018 | $53.95 | $192.39 | $134.63 | $0.00 | $380.97 | 7/1/2018 | $54.37 | $191.97 | $134.63 | $0.00 | $380.97 | 8/1/2018 | $48.16 | $198.18 | $134.63 | $0.00 | $380.97 | 9/1/2018 | $48.36 | $197.98 | $134.63 | $0.00 | $380.97 | 10/1/2018 | $48.52 | $197.82 | $134.63 | $0.00 | $380.97 | 11/1/2018 | $55.05 | $191.29 | $134.63 | $0.00 | $380.97 | 12/1/2018 | $48.85 | $197.49 | $134.63 | $0.00 | $380.97 | 1/1/2019 | $55.39 | $190.95 | $134.63 | $0.00 | $380.97 | 2/1/2019 | $49.20 | $197.14 | $134.63 | $0.00 | $380.97 | 3/1/2019 | $55.73 | $190.61 | $134.63 | $0.00 | $380.97 | 4/1/2019 | $68.60 | $177.74 | $134.63 | $0.00 | $380.97 | 5/1/2019 | $43.40 | $202.94 | $134.63 | $0.00 | $380.97 | 6/1/2019 | $56.31 | $190.03 | $134.63 | $0.00 | $380.97 | 7/1/2019 | $50.12 | $196.22 | $134.63 | $0.00 | $380.97 | 8/1/2019 | $56.64 | $189.70 | $134.63 | $0.00 | $380.97 | 9/1/2019 | $50.49 | $195.85 | $134.63 | $0.00 | $380.97 | 10/1/2019 | $50.69 | $195.65 | $122.28 | $0.00 | $368.62 | 11/1/2019 | $57.15 | $189.19 | $122.28 | $0.00 | $368.62 | 12/1/2019 | $57.33 | $189.01 | $122.28 | $0.00 | $368.62 | 1/1/2020 | $51.23 | $195.11 | $122.28 | $0.00 | $368.62 | 2/1/2020 | $51.58 | $194.76 | $122.28 | $0.00 | $368.62 | 3/1/2020 | $52.12 | $194.22 | $122.28 | $0.00 | $368.62 | 4/1/2020 | $64.82 | $181.52 | $122.28 | $0.00 | $368.62 | 5/1/2020 | $52.47 | $193.87 | $122.28 | $0.00 | $368.62 | 6/1/2020 | $65.19 | $181.15 | $122.28 | $0.00 | $368.62 | 7/1/2020 | $46.64 | $199.70 | $122.28 | $0.00 | $368.62 | 8/1/2020 | $59.33 | $187.01 | $122.28 | $0.00 | $368.62 | 9/1/2020 | $53.26 | $193.08 | $121.64 | $0.00 | $367.98 | 10/1/2020 |  |  |  |  | 999900000000000000000000000000000000 | 999900000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 4 | 1.00 | 1.00 | 1.00 | • A loan modification was completed in February 2018. | 11/5/2020 |
| 3158537823 | 36 | XXX | XXX | XXX | MI | XXXX | $85584.93 | 4.500% | Completed | Clayton | Current | $85683.02 | $0.00 | $0.00 | Missing | $616.40 | $353.20 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/1/2020 | 9/30/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/1/2017 | $149.61 | $437.22 | $651.79 | $25.00 | $1263.62 | 12/1/2017 | $291.06 | $531.66 | $415.90 | $0.00 | $1238.62 | 2/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/1/2018 | $50.58 | $360.78 | $207.95 | $0.00 | $619.31 | 3/1/2018 | $125.02 | $286.34 | $207.95 | $0.00 | $619.31 | 4/1/2018 | $83.06 | $328.30 | $207.95 | $0.00 | $619.31 | 5/1/2018 | $93.96 | $317.40 | $207.95 | $0.00 | $619.31 | 6/1/2018 | $83.72 | $327.64 | $207.95 | $0.00 | $619.31 | 7/1/2018 | $94.59 | $316.77 | $207.95 | $0.00 | $619.31 | 8/1/2018 | $0.00 | $411.36 | $207.95 | $0.00 | $619.31 | 9/1/2018 | $105.48 | $305.88 | $207.95 | $0.00 | $619.31 | 10/1/2018 | $169.05 | $242.31 | $247.07 | $0.00 | $658.43 | 11/1/2018 | $64.37 | $346.99 | $247.07 | $0.00 | $658.43 | 12/1/2018 | $54.13 | $357.23 | $247.07 | $0.00 | $658.43 | 1/1/2019 | $95.14 | $316.22 | $247.07 | $0.00 | $658.43 | 2/1/2019 | $36.53 | $377.61 | $247.07 | $0.00 | $661.21 | 3/1/2019 | $176.89 | $237.25 | $247.07 | $0.00 | $661.21 | 4/1/2019 | $5.14 | $409.00 | $247.07 | $0.00 | $661.21 | 5/1/2019 | $0.00 | $344.38 | $316.83 | $0.00 | $661.21 | 6/1/2019 | $193.33 | $290.57 | $177.31 | $0.00 | $661.21 | 7/1/2019 | $113.47 | $300.67 | $247.07 | $0.00 | $661.21 | 8/1/2019 | $124.59 | $289.55 | $247.07 | $0.00 | $661.21 | 9/1/2019 | $92.88 | $321.26 | $247.07 | $0.00 | $661.21 | 10/1/2019 | $82.52 | $331.62 | $202.26 | $0.00 | $616.40 | 11/1/2019 | $72.15 | $341.99 | $202.26 | $0.00 | $616.40 | 12/1/2019 | $104.47 | $309.67 | $202.26 | $0.00 | $616.40 | 1/1/2020 | $94.19 | $319.95 | $202.26 | $0.00 | $616.40 | 2/1/2020 | $74.14 | $340.00 | $202.26 | $0.00 | $616.40 | 3/1/2020 | $116.90 | $297.24 | $202.26 | $0.00 | $616.40 | 4/1/2020 | $85.50 | $328.64 | $202.26 | $0.00 | $616.40 | 5/1/2020 | $96.43 | $317.71 | $202.26 | $0.00 | $616.40 | 6/1/2020 | $86.20 | $327.94 | $202.26 | $0.00 | $616.40 | 7/1/2020 | $86.52 | $327.62 | $202.26 | $0.00 | $616.40 | 8/1/2020 | $0.00 | $475.08 | $141.32 | $0.00 | $616.40 | 9/1/2020 | $184.28 | $168.92 | $263.20 | $0.00 | $616.40 | 10/1/2020 |  |  |  |  | 100000000000000000000000000000000000 | 100000000000000000000000000000000000 | TRUE | 1 | 0 | 0 | 0 | 1.17 | 1.17 | 1.17 |  | 11/5/2020 |
| 3158538156 | 36 | XXX | XXX | XXX | DE | XXXX | $41353.91 | 4.850% | Completed | Clayton | Current | $41353.91 | $0.00 | $0.00 | Missing | $504.18 | $296.77 | Yes | $0.00 | $0.00 | 10/1/2020 | 11/1/2020 | 9/19/2020 | 9/30/2020 | $114.38 | $182.39 | $247.87 | $0.00 | $544.64 | 12/1/2017 | $108.78 | $187.99 | $238.93 | $0.00 | $535.70 | 1/1/2018 | $115.26 | $181.51 | $238.93 | $0.00 | $535.70 | 2/1/2018 | $109.66 | $187.11 | $238.93 | $0.00 | $535.70 | 3/1/2018 | $110.11 | $186.66 | $238.93 | $0.00 | $535.70 | 4/1/2018 | $128.61 | $168.16 | $238.93 | $0.00 | $535.70 | 5/1/2018 | $111.14 | $185.63 | $238.93 | $0.00 | $535.70 | 6/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/1/2018 | $229.64 | $363.90 | $477.86 | $0.00 | $1071.40 | 8/1/2018 | $118.46 | $178.31 | $238.93 | $0.00 | $535.70 | 9/1/2018 | $112.95 | $183.82 | $238.93 | $0.00 | $535.70 | 10/1/2018 | $113.47 | $183.30 | $238.93 | $0.00 | $535.70 | 11/1/2018 | $119.86 | $176.91 | $238.93 | $0.00 | $535.70 | 12/1/2018 | $114.45 | $182.32 | $118.02 | $0.00 | $414.79 | 1/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/1/2019 | $241.89 | $351.65 | $236.04 | $0.00 | $829.58 | 3/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 3/1/2019 | $243.85 | $349.69 | $236.04 | $0.00 | $829.58 | 5/1/2019 | $116.95 | $179.82 | $118.02 | $0.00 | $414.79 | 6/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/1/2019 | $123.19 | $173.58 | $118.02 | $0.00 | $414.79 | 7/1/2019 | $241.88 | $351.66 | $236.04 | $0.00 | $829.58 | 9/1/2019 | $118.84 | $177.93 | $118.02 | $0.00 | $414.79 | 10/1/2019 | $119.44 | $177.33 | $203.85 | $0.00 | $500.62 | 11/1/2019 | $131.37 | $165.40 | $203.85 | $0.00 | $500.62 | 12/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/1/2019 | $241.25 | $352.29 | $414.82 | $0.00 | $1008.36 | 2/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/1/2020 | $243.80 | $349.74 | $414.82 | $0.00 | $1008.36 | 4/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/1/2020 | $134.12 | $162.65 | $207.41 | $0.00 | $504.18 | 5/1/2020 | $252.72 | $340.82 | $414.82 | $0.00 | $1008.36 | 7/1/2020 | $124.41 | $172.36 | $207.41 | $0.00 | $504.18 | 8/1/2020 | $130.52 | $166.25 | $207.41 | $0.00 | $504.18 | 9/1/2020 | $125.49 | $171.28 | $207.41 | $0.00 | $504.18 | 10/1/2020 | $131.56 | $165.21 | $207.41 | $0.00 | $504.18 | 11/1/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.17 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158542197 | 36 | XXX | XXX | XXX | IL | XXXX | $47461.58 | 5.000% | Completed | Clayton | Current | $47461.58 | $0.00 | $0.00 | Missing | $513.74 | $340.28 | Yes | $0.00 | $0.00 | 10/1/2020 | 11/1/2020 | 9/29/2020 | 9/30/2020 | $0.00 | $354.64 | $723.64 | $0.00 | $1078.28 | 12/1/2017 | $130.44 | $171.60 | $237.10 | $0.00 | $539.14 | 1/1/2018 | $147.80 | $171.18 | $220.16 | $0.00 | $539.14 | 2/1/2018 | $176.74 | $142.24 | $220.16 | $0.00 | $539.14 | 3/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 3/1/2018 | $114.85 | $204.13 | $220.16 | $0.00 | $539.14 | 4/1/2018 | $130.87 | $188.11 | $220.16 | $0.00 | $539.14 | 5/1/2018 | $142.77 | $197.51 | $220.16 | $0.00 | $560.44 | 6/1/2018 | $258.94 | $421.62 | $440.32 | $0.00 | $1120.88 | 8/1/2018 | $172.30 | $167.98 | $220.16 | $0.00 | $560.44 | 9/1/2018 | $96.14 | $244.14 | $220.16 | $0.00 | $560.44 | 10/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/1/2018 | $242.31 | $438.25 | $461.76 | $0.00 | $1142.32 | 12/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/1/2018 | $118.55 | $221.73 | $230.88 | $0.00 | $571.16 | 1/1/2019 | $273.20 | $407.36 | $461.76 | $0.00 | $1142.32 | 3/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 3/1/2019 | $120.27 | $220.01 | $230.88 | $0.00 | $571.16 | 4/1/2019 | $127.65 | $212.63 | $230.88 | $0.00 | $571.16 | 5/1/2019 | $277.49 | $403.07 | $461.76 | $0.00 | $1142.32 | 7/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2019 | $320.33 | $360.23 | $461.76 | $0.00 | $1142.32 | 9/1/2019 | $76.66 | $263.62 | $230.88 | $0.00 | $571.16 | 10/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/1/2019 | $269.40 | $411.16 | $500.74 | $0.00 | $1181.30 | 12/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 12/1/2019 | $118.78 | $221.50 | $250.37 | $0.00 | $590.65 | 1/1/2020 | $132.73 | $207.55 | $250.37 | $0.00 | $590.65 | 2/1/2020 | $147.16 | $193.12 | $250.37 | $0.00 | $590.65 | 3/1/2020 | $289.35 | $391.21 | $500.74 | $0.00 | $1181.30 | 5/1/2020 | $142.29 | $197.99 | $250.37 | $0.00 | $590.65 | 6/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/1/2020 | $123.13 | $217.15 | $250.37 | $0.00 | $590.65 | 7/1/2020 | $143.37 | $196.91 | $250.37 | $0.00 | $590.65 | 8/1/2020 | $143.96 | $196.32 | $250.37 | $0.00 | $590.65 | 9/1/2020 | $296.16 | $384.40 | $423.83 | $0.00 | $1104.39 | 11/1/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.08 | 1.04 |  | 11/5/2020 |
| 3158537603 | 36 | XXX | XXX | XXX | AZ | XXXX | $44411.82 | 4.500% | Completed | Clayton | Current | $44516.08 | $0.00 | $0.00 | Missing | $576.05 | $262.99 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/3/2020 | 9/30/2020 | $150.91 | $96.62 | $146.56 | $0.00 | $394.09 | 11/1/2017 | $154.18 | $93.35 | $146.56 | $0.00 | $394.09 | 12/1/2017 | $163.46 | $84.07 | $146.56 | $0.00 | $394.09 | 1/1/2018 | $148.74 | $98.79 | $146.56 | $0.00 | $394.09 | 2/1/2018 | $139.36 | $89.57 | $163.73 | $0.00 | $392.66 | 3/1/2018 | $182.75 | $83.38 | $145.13 | $0.00 | $411.26 | 4/1/2018 | $152.55 | $94.98 | $145.13 | $0.00 | $392.66 | 5/1/2018 | $158.75 | $88.78 | $145.13 | $0.00 | $392.66 | 6/1/2018 | $162.06 | $85.47 | $145.13 | $0.00 | $392.66 | 7/1/2018 | $155.14 | $92.39 | $145.13 | $0.00 | $392.66 | 8/1/2018 | $286.67 | $212.66 | $290.26 | $0.00 | $789.59 | 10/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/1/2018 | $110.08 | $141.72 | $145.13 | $0.00 | $396.93 | 11/1/2018 | $123.24 | $128.56 | $145.13 | $0.00 | $396.93 | 12/1/2018 | $123.55 | $128.25 | $145.13 | $0.00 | $396.93 | 1/1/2019 | $115.30 | $136.50 | $164.57 | $0.00 | $416.37 | 2/1/2019 | $128.39 | $123.41 | $164.57 | $0.00 | $416.37 | 3/1/2019 | $132.94 | $118.86 | $164.57 | $0.00 | $416.37 | 4/1/2019 | $120.41 | $139.73 | $156.23 | $0.00 | $416.37 | 5/1/2019 | $133.37 | $126.73 | $156.23 | $0.00 | $416.33 | 6/1/2019 | $138.74 | $121.36 | $156.23 | $0.00 | $416.33 | 7/1/2019 | $138.77 | $121.33 | $156.23 | $0.00 | $416.33 | 8/1/2019 | $145.45 | $114.65 | $156.23 | $0.00 | $416.33 | 9/1/2019 | $99.35 | $160.75 | $156.23 | $0.00 | $416.33 | 10/1/2019 | $109.73 | $150.37 | $156.23 | $0.00 | $416.33 | 11/1/2019 | $115.09 | $145.01 | $156.23 | $0.00 | $416.33 | 12/1/2019 | $100.48 | $159.62 | $156.23 | $0.00 | $416.33 | 1/1/2020 | $96.74 | $154.25 | $313.06 | $0.00 | $564.05 | 2/1/2020 | $102.41 | $148.58 | $313.06 | $0.00 | $564.05 | 3/1/2020 | $102.73 | $148.26 | $313.06 | $0.00 | $564.05 | 4/1/2020 | $98.15 | $152.84 | $313.06 | $0.00 | $564.05 | 5/1/2020 | $113.24 | $137.75 | $313.06 | $0.00 | $564.05 | 6/1/2020 | $89.06 | $161.93 | $313.06 | $0.00 | $564.05 | 7/1/2020 | $108.96 | $142.03 | $313.06 | $0.00 | $564.05 | 8/1/2020 | $98.93 | $152.06 | $313.06 | $0.00 | $564.05 | 9/1/2020 | $87.49 | $175.50 | $313.06 | $0.00 | $576.05 | 10/1/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 0.96 | 0.97 | 0.97 |  | 11/5/2020 |
| 3158537660 | 36 | XXX | XXX | XXX | FL | XXXX | $53775.11 | 4.000% | Completed | Clayton | Current | $53949.84 | $0.00 | $0.00 | Missing | $431.68 | $352.08 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/1/2020 | 9/30/2020 | $239.81 | $119.00 | $69.63 | $0.00 | $428.44 | 11/1/2017 | $247.64 | $111.17 | $69.63 | $0.00 | $428.44 | 12/1/2017 | $313.99 | $114.45 | $69.63 | $0.00 | $498.07 | 1/1/2018 | $248.51 | $110.30 | $69.63 | $0.00 | $428.44 | 2/1/2018 | $245.26 | $113.55 | $71.89 | $0.00 | $430.70 | 3/1/2018 | $245.73 | $113.08 | $74.79 | $0.00 | $433.60 | 4/1/2018 | $257.06 | $101.75 | $74.79 | $0.00 | $433.60 | 5/1/2018 | $246.56 | $112.25 | $74.79 | $0.00 | $433.60 | 6/1/2018 | $254.20 | $104.61 | $74.79 | $0.00 | $433.60 | 7/1/2018 | $243.83 | $114.98 | $74.79 | $0.00 | $433.60 | 8/1/2018 | $251.42 | $107.39 | $74.79 | $0.00 | $433.60 | 9/1/2018 | $248.71 | $110.10 | $74.79 | $0.00 | $433.60 | 10/1/2018 | $250.39 | $108.42 | $74.79 | $0.00 | $433.60 | 11/1/2018 | $254.39 | $104.50 | $74.79 | $0.00 | $433.68 | 12/1/2018 | $235.35 | $117.95 | $74.79 | $0.00 | $428.09 | 1/1/2019 | $197.78 | $155.52 | $74.79 | $0.00 | $428.09 | 2/1/2019 | $198.33 | $154.97 | $74.79 | $0.00 | $428.09 | 3/1/2019 | $188.52 | $164.78 | $86.24 | $0.00 | $439.54 | 4/1/2019 | $209.58 | $143.72 | $86.24 | $0.00 | $439.54 | 5/1/2019 | $194.67 | $158.63 | $86.24 | $0.00 | $439.54 | 6/1/2019 | $200.30 | $153.00 | $86.24 | $0.00 | $439.54 | 7/1/2019 | $195.69 | $157.61 | $86.24 | $0.00 | $439.54 | 8/1/2019 | $201.27 | $152.03 | $86.24 | $0.00 | $439.54 | 9/1/2019 | $199.99 | $153.31 | $86.24 | $0.00 | $439.54 | 10/1/2019 | $209.95 | $143.35 | $86.24 | $0.00 | $439.54 | 11/1/2019 | $219.67 | $133.63 | $86.24 | $0.00 | $439.54 | 12/1/2019 | $196.05 | $156.03 | $86.24 | $0.00 | $438.32 | 1/1/2020 | $169.19 | $182.89 | $86.24 | $0.00 | $438.32 | 2/1/2020 | $163.83 | $188.25 | $86.24 | $0.00 | $438.32 | 3/1/2020 | $164.82 | $187.26 | $79.60 | $0.00 | $431.68 | 4/1/2020 | $177.43 | $174.65 | $79.60 | $0.00 | $431.68 | 5/1/2020 | $165.94 | $186.14 | $79.60 | $0.00 | $431.68 | 6/1/2020 | $172.53 | $179.55 | $79.60 | $0.00 | $431.68 | 7/1/2020 | $167.10 | $184.98 | $79.60 | $0.00 | $431.68 | 8/1/2020 | $173.64 | $178.44 | $79.60 | $0.00 | $431.68 | 9/1/2020 | $168.25 | $183.83 | $79.60 | $0.00 | $431.68 | 10/1/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158537943 | 36 | XXX | XXX | XXX | OH | XXXX | $94573.98 | 7.425% | Completed | Clayton | Current | $94642.03 | $0.00 | $0.00 | Missing | $868.93 | $644.05 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/1/2020 | 9/30/2020 | $0.00 | $586.28 | $309.28 | $0.00 | $895.56 | 11/1/2017 | $0.00 | $605.82 | $279.18 | $0.00 | $885.00 | 12/1/2017 | $0.00 | $586.28 | $298.72 | $0.00 | $885.00 | 1/1/2018 | $0.00 | $605.83 | $279.17 | $0.00 | $885.00 | 2/1/2018 | $0.00 | $605.82 | $279.18 | $0.00 | $885.00 | 3/1/2018 | $0.00 | $547.19 | $337.81 | $0.00 | $885.00 | 4/1/2018 | $0.00 | $605.83 | $279.17 | $0.00 | $885.00 | 5/1/2018 | $57.33 | $586.72 | $240.95 | $0.00 | $885.00 | 6/1/2018 | $37.96 | $606.09 | $240.95 | $0.00 | $885.00 | 7/1/2018 | $57.74 | $586.31 | $240.95 | $0.00 | $885.00 | 8/1/2018 | $38.55 | $605.50 | $240.95 | $0.00 | $885.00 | 9/1/2018 | $38.81 | $605.24 | $301.35 | $0.00 | $945.40 | 10/1/2018 | $58.57 | $585.48 | $301.35 | $0.00 | $945.40 | 11/1/2018 | $39.44 | $604.63 | $301.35 | $0.00 | $945.42 | 12/1/2018 | $59.17 | $584.88 | $301.35 | $0.00 | $945.40 | 1/1/2019 | $40.04 | $604.01 | $301.35 | $0.00 | $945.40 | 2/1/2019 | $40.30 | $603.75 | $301.35 | $0.00 | $945.40 | 3/1/2019 | $98.95 | $545.10 | $301.35 | $0.00 | $945.40 | 4/1/2019 | $41.17 | $602.88 | $301.35 | $0.00 | $945.40 | 5/1/2019 | $60.88 | $583.17 | $301.35 | $0.00 | $945.40 | 6/1/2019 | $41.82 | $602.23 | $301.35 | $0.00 | $945.40 | 7/1/2019 | $61.49 | $582.56 | $301.35 | $0.00 | $945.40 | 8/1/2019 | $42.47 | $601.58 | $301.35 | $0.00 | $945.40 | 9/1/2019 | $42.74 | $601.31 | $234.89 | $0.00 | $878.94 | 10/1/2019 | $62.40 | $581.65 | $234.89 | $0.00 | $878.94 | 11/1/2019 | $43.40 | $600.65 | $234.89 | $0.00 | $878.94 | 12/1/2019 | $63.04 | $581.01 | $234.89 | $0.00 | $878.94 | 1/1/2020 | $44.07 | $599.98 | $234.89 | $0.00 | $878.94 | 2/1/2020 | $45.99 | $598.06 | $234.89 | $0.00 | $878.94 | 3/1/2020 | $84.84 | $559.21 | $239.53 | $0.00 | $883.58 | 4/1/2020 | $46.81 | $597.24 | $239.53 | $0.00 | $883.58 | 5/1/2020 | $66.36 | $577.69 | $239.53 | $0.00 | $883.58 | 6/1/2020 | $47.53 | $596.52 | $239.53 | $0.00 | $883.58 | 7/1/2020 | $67.05 | $577.00 | $239.53 | $0.00 | $883.58 | 8/1/2020 | $48.24 | $595.81 | $239.53 | $0.00 | $883.58 | 9/1/2020 | $48.55 | $595.50 | $224.88 | $0.00 | $868.93 | 10/1/2020 |  |  |  |  | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158538489 | 36 | XXX | XXX | XXX | PA | XXXX | $43027.03 | 3.250% | Completed | Clayton | Current | $43084.26 | $0.00 | $0.00 | Missing | $769.58 | $187.31 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/7/2020 | 9/30/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 11/1/2017 | $78.05 | $177.26 | $545.39 | $0.00 | $800.70 | 12/1/2017 | $283.41 | $227.21 | $1090.78 | $0.00 | $1601.40 | 2/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 2/1/2018 | $83.59 | $171.72 | $545.39 | $0.00 | $800.70 | 3/1/2018 | $154.97 | $100.34 | $545.39 | $0.00 | $800.70 | 4/1/2018 | $138.64 | $116.67 | $545.39 | $0.00 | $800.70 | 5/1/2018 | $16.97 | $170.34 | $545.39 | $0.00 | $732.70 | 6/1/2018 | $62.71 | $124.60 | $545.39 | $0.00 | $732.70 | 7/1/2018 | $0.00 | $136.87 | $595.83 | $0.00 | $732.70 | 8/1/2018 | $0.00 | $124.43 | $608.27 | $0.00 | $732.70 | 9/1/2018 | $213.53 | $87.10 | $432.07 | $0.00 | $732.70 | 10/1/2018 | $0.00 | $169.29 | $562.36 | $0.00 | $731.65 | 11/1/2018 | $0.00 | $140.37 | $591.28 | $0.00 | $731.65 | 12/1/2018 | $149.06 | $103.21 | $479.38 | $0.00 | $731.65 | 1/1/2019 | $19.00 | $135.81 | $595.84 | $0.00 | $750.65 | 2/1/2019 | $0.00 | $135.75 | $595.90 | $0.00 | $731.65 | 3/1/2019 | $0.00 | $111.06 | $620.59 | $0.00 | $731.65 | 4/1/2019 | $320.43 | $115.19 | $365.03 | $0.00 | $800.65 | 5/1/2019 | $69.00 | $134.81 | $596.84 | $0.00 | $800.65 | 6/1/2019 | $0.00 | $122.37 | $609.28 | $0.00 | $731.65 | 7/1/2019 | $204.81 | $118.29 | $426.90 | $0.00 | $750.00 | 8/1/2019 | $137.90 | $117.76 | $544.34 | $0.00 | $800.00 | 9/1/2019 | $122.72 | $133.59 | $544.34 | $0.00 | $800.65 | 10/1/2019 | $111.03 | $121.12 | $567.85 | $0.00 | $800.00 | 11/1/2019 | $115.51 | $116.80 | $567.85 | $0.00 | $800.16 | 12/1/2019 | $131.87 | $100.44 | $567.85 | $0.00 | $800.16 | 1/1/2020 | $88.21 | $144.10 | $567.85 | $0.00 | $800.16 | 2/1/2020 | $267.70 | $119.61 | $567.85 | $0.00 | $955.16 | 3/1/2020 | $404.38 | $170.24 | $1135.70 | $0.00 | $1710.32 | 5/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2020 | $539.20 | $235.42 | $1135.70 | $0.00 | $1910.32 | 7/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2020 | $332.14 | $155.17 | $567.85 | $0.00 | $1055.16 | 8/1/2020 | $70.62 | $161.69 | $567.85 | $0.00 | $800.16 | 9/1/2020 | $199.33 | $88.40 | $1582.27 | $0.00 | $1870.00 | 10/1/2020 |  |  |  | TRUE | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.59 | 1.63 | 1.39 |  | 11/5/2020 |
| 3158539465 | 36 | XXX | XXX | XXX | IA | XXXX | $56383.92 | 3.500% | Completed | Clayton | Current | $56513.36 | $0.00 | $0.00 | Missing | $773.00 | $291.57 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/1/2020 | 9/30/2020 | $11.25 | $174.71 | $592.63 | $0.00 | $778.59 | 11/1/2017 | $111.07 | $180.50 | $487.02 | $0.00 | $778.59 | 12/1/2017 | $117.22 | $174.35 | $620.34 | $0.00 | $911.91 | 1/1/2018 | $111.75 | $179.82 | $620.34 | $0.00 | $911.91 | 2/1/2018 | $112.07 | $179.50 | $620.34 | $0.00 | $911.91 | 3/1/2018 | $129.75 | $161.82 | $620.34 | $0.00 | $911.91 | 4/1/2018 | $112.81 | $178.76 | $692.64 | $0.00 | $984.21 | 5/1/2018 | $118.88 | $172.69 | $692.64 | $0.00 | $984.21 | 6/1/2018 | $113.49 | $178.08 | $692.64 | $0.00 | $984.21 | 7/1/2018 | $119.56 | $172.01 | $692.64 | $0.00 | $984.21 | 8/1/2018 | $114.17 | $177.40 | $692.64 | $0.00 | $984.21 | 9/1/2018 | $114.52 | $177.05 | $692.64 | $0.00 | $984.21 | 10/1/2018 | $120.57 | $171.00 | $692.64 | $0.00 | $984.21 | 11/1/2018 | $115.29 | $176.35 | $692.64 | $0.00 | $984.28 | 12/1/2018 | $121.24 | $170.33 | $692.64 | $0.00 | $984.21 | 1/1/2019 | $115.92 | $175.65 | $692.64 | $0.00 | $984.21 | 2/1/2019 | $116.27 | $175.30 | $692.64 | $0.00 | $984.21 | 3/1/2019 | $133.55 | $158.02 | $692.64 | $0.00 | $984.21 | 4/1/2019 | $117.01 | $174.56 | $555.40 | $0.00 | $846.97 | 5/1/2019 | $122.98 | $168.59 | $555.40 | $0.00 | $846.97 | 6/1/2019 | $117.72 | $173.85 | $555.40 | $0.00 | $846.97 | 7/1/2019 | $123.67 | $167.90 | $555.40 | $0.00 | $846.97 | 8/1/2019 | $118.45 | $173.12 | $555.40 | $0.00 | $846.97 | 9/1/2019 | $118.79 | $172.78 | $555.40 | $0.00 | $846.97 | 10/1/2019 | $124.71 | $166.86 | $555.40 | $0.00 | $846.97 | 11/1/2019 | $119.52 | $172.05 | $555.40 | $0.00 | $846.97 | 12/1/2019 | $125.41 | $166.16 | $555.40 | $0.00 | $846.97 | 1/1/2020 | $120.25 | $171.32 | $555.40 | $0.00 | $846.97 | 2/1/2020 | $121.07 | $170.50 | $555.40 | $0.00 | $846.97 | 3/1/2020 | $132.40 | $159.17 | $555.40 | $0.00 | $846.97 | 4/1/2020 | $121.83 | $169.74 | $481.43 | $0.00 | $773.00 | 5/1/2020 | $127.64 | $163.93 | $481.43 | $0.00 | $773.00 | 6/1/2020 | $122.57 | $169.00 | $481.43 | $0.00 | $773.00 | 7/1/2020 | $128.36 | $163.21 | $481.43 | $0.00 | $773.00 | 8/1/2020 | $123.31 | $168.26 | $481.43 | $0.00 | $773.00 | 9/1/2020 | $123.67 | $167.90 | $481.43 | $0.00 | $773.00 | 10/1/2020 |  |  |  | TRUE | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158540706 | 36 | XXX | XXX | XXX | CA | XXXX | $118274.98 | 4.500% | Completed | Clayton | Current | $118520.00 | $0.00 | $0.00 | Missing | $977.45 | $582.89 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/1/2020 | 9/30/2020 | $233.82 | $405.25 | $309.80 | $0.00 | $948.87 | 11/1/2017 | $259.89 | $379.18 | $309.80 | $0.00 | $948.87 | 12/1/2017 | $248.01 | $391.06 | $309.80 | $0.00 | $948.87 | 1/1/2018 | $261.40 | $377.67 | $309.80 | $0.00 | $948.87 | 2/1/2018 | $249.54 | $389.53 | $309.80 | $0.00 | $948.87 | 3/1/2018 | $250.37 | $388.70 | $452.60 | $0.00 | $1091.67 | 4/1/2018 | $288.70 | $350.37 | $327.68 | $0.00 | $966.75 | 5/1/2018 | $251.90 | $387.17 | $327.68 | $0.00 | $966.75 | 6/1/2018 | $277.70 | $361.37 | $327.68 | $0.00 | $966.75 | 7/1/2018 | $241.15 | $397.92 | $327.68 | $0.00 | $966.75 | 8/1/2018 | $266.82 | $372.25 | $327.68 | $0.00 | $966.75 | 9/1/2018 | $255.18 | $383.89 | $327.68 | $0.00 | $966.75 | 10/1/2018 | $255.99 | $383.08 | $327.68 | $0.00 | $966.75 | 11/1/2018 | $269.24 | $369.95 | $327.68 | $0.00 | $966.87 | 12/1/2018 | $257.58 | $381.49 | $327.68 | $0.00 | $966.75 | 1/1/2019 | $270.68 | $368.39 | $327.68 | $0.00 | $966.75 | 2/1/2019 | $300.49 | $382.40 | $327.68 | $0.00 | $1010.57 | 3/1/2019 | $197.20 | $485.69 | $327.68 | $0.00 | $1010.57 | 4/1/2019 | $258.90 | $423.99 | $327.68 | $0.00 | $1010.57 | 5/1/2019 | $214.25 | $468.64 | $327.68 | $0.00 | $1010.57 | 6/1/2019 | $230.30 | $452.59 | $423.20 | $0.00 | $1106.09 | 7/1/2019 | $216.04 | $466.85 | $423.20 | $0.00 | $1106.09 | 8/1/2019 | $231.95 | $450.94 | $423.20 | $0.00 | $1106.09 | 9/1/2019 | $217.75 | $465.14 | $423.20 | $0.00 | $1106.09 | 10/1/2019 | $218.62 | $464.27 | $423.20 | $0.00 | $1106.09 | 11/1/2019 | $249.34 | $433.55 | $423.20 | $0.00 | $1106.09 | 12/1/2019 | $205.39 | $477.50 | $423.20 | $0.00 | $1106.09 | 1/1/2020 | $236.13 | $446.76 | $423.20 | $0.00 | $1106.09 | 2/1/2020 | $222.29 | $460.60 | $423.20 | $0.00 | $1106.09 | 3/1/2020 | $224.19 | $458.70 | $423.20 | $0.00 | $1106.09 | 4/1/2020 | $254.59 | $428.30 | $423.20 | $0.00 | $1106.09 | 5/1/2020 | $225.92 | $456.97 | $423.20 | $0.00 | $1106.09 | 6/1/2020 | $241.58 | $441.31 | $394.56 | $0.00 | $1077.45 | 7/1/2020 | $227.75 | $455.14 | $394.56 | $0.00 | $1077.45 | 8/1/2020 | $243.30 | $439.59 | $394.56 | $0.00 | $1077.45 | 9/1/2020 | $229.54 | $453.35 | $394.56 | $0.00 | $1077.45 | 10/1/2020 |  |  |  | TRUE | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.17 | 1.17 | 1.16 |  | 11/5/2020 |
| 3158540745 | 36 | XXX | XXX | XXX | MO | XXXX | $66688.04 | 8.300% | Completed | Clayton | Current | $66721.00 | $0.00 | $0.00 | Missing | $583.02 | $532.27 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 8/29/2020 | 9/30/2020 | $0.00 | $700.00 | $0.00 | $0.00 | $700.00 | 11/1/2017 | $0.00 | $666.78 | $33.22 | $0.00 | $700.00 | 12/1/2017 | $0.00 | $467.27 | $232.73 | $0.00 | $700.00 | 1/1/2018 | $0.00 | $498.43 | $153.28 | $0.00 | $651.71 | 2/1/2018 | $0.00 | $856.67 | $446.75 | $0.00 | $1303.42 | 4/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/1/2018 | $0.00 | $545.16 | $182.64 | $0.00 | $727.80 | 5/1/2018 | $64.33 | $467.94 | $46.55 | $0.00 | $578.82 | 6/1/2018 | $64.56 | $467.71 | $53.08 | $0.00 | $585.35 | 7/1/2018 | $49.43 | $482.84 | $53.08 | $0.00 | $585.35 | 8/1/2018 | $65.34 | $466.93 | $53.08 | $0.00 | $585.35 | 9/1/2018 | $3.58 | $528.69 | $53.08 | $0.00 | $585.35 | 10/1/2018 | $112.46 | $419.81 | $53.08 | $0.00 | $585.35 | 11/1/2018 | $51.05 | $481.22 | $53.08 | $0.00 | $585.35 | 12/1/2018 | $35.90 | $496.37 | $53.08 | $0.00 | $585.35 | 1/1/2019 | $98.17 | $434.10 | $53.08 | $0.00 | $585.35 | 2/1/2019 | $36.88 | $495.39 | $53.08 | $0.00 | $585.35 | 3/1/2019 | $114.51 | $417.76 | $40.31 | $0.00 | $572.58 | 4/1/2019 | $37.98 | $494.29 | $40.31 | $0.00 | $572.58 | 5/1/2019 | $185.00 | $879.54 | $91.73 | $0.00 | $1156.27 | 7/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 7/1/2019 | $8.81 | $523.46 | $51.42 | $0.00 | $583.69 | 8/1/2019 | $55.06 | $477.21 | $51.42 | $0.00 | $583.69 | 9/1/2019 | $24.68 | $507.59 | $51.42 | $0.00 | $583.69 | 10/1/2019 | $117.13 | $415.14 | $51.42 | $0.00 | $583.69 | 11/1/2019 | $41.10 | $491.17 | $51.42 | $0.00 | $583.69 | 12/1/2019 | $56.73 | $475.54 | $51.42 | $0.00 | $583.69 | 1/1/2020 | $57.18 | $475.09 | $51.42 | $0.00 | $583.69 | 2/1/2020 | $209.54 | $855.00 | $97.72 | $0.00 | $1162.26 | 4/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/1/2020 | $136.03 | $928.51 | $92.60 | $0.00 | $1157.14 | 6/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 6/1/2020 | $15.69 | $516.58 | $50.75 | $0.00 | $583.02 | 7/1/2020 | $199.29 | $865.25 | $101.50 | $0.00 | $1166.04 | 9/1/2020 | $62.77 | $469.50 | $50.75 | $0.00 | $583.02 | 10/1/2020 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/1/2020 |  |  |  | TRUE | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158541973 | 36 | XXX | XXX | XXX | MI | XXXX | $67774.15 | 3.375% | Completed | Clayton | Current | $67954.04 | $0.00 | $0.00 | Missing | $490.74 | $280.21 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/4/2020 | 9/30/2020 | $0.00 | $207.13 | $272.10 | $0.00 | $479.23 | 10/1/2017 | $0.00 | $227.18 | $210.95 | $0.00 | $438.13 | 11/1/2017 | $0.00 | $187.08 | $292.15 | $0.00 | $479.23 | 12/1/2017 | $0.00 | $233.86 | $245.37 | $0.00 | $479.23 | 1/1/2018 | $53.83 | $193.76 | $231.64 | $0.00 | $479.23 | 2/1/2018 | $73.23 | $206.98 | $199.02 | $0.00 | $479.23 | 3/1/2018 | $73.45 | $206.76 | $199.02 | $0.00 | $479.23 | 4/1/2018 | $93.64 | $186.57 | $199.02 | $0.00 | $479.23 | 5/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 5/1/2018 | $0.00 | $505.73 | $452.73 | $0.00 | $958.46 | 7/1/2018 | $241.74 | $93.16 | $144.33 | $0.00 | $479.23 | 8/1/2018 | $0.00 | $318.34 | $165.48 | $0.00 | $483.82 | 9/1/2018 | $0.00 | $238.75 | $425.51 | $0.00 | $664.26 | 11/1/2018 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 11/1/2018 | $33.44 | $232.12 | $217.96 | $0.00 | $483.52 | 12/1/2018 | $17.78 | $212.13 | $203.31 | $0.00 | $433.22 | 1/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 1/1/2019 | $0.00 | $357.88 | $342.12 | $0.00 | $700.00 | 2/1/2019 | $0.00 | $337.99 | $162.01 | $0.00 | $500.00 | 3/1/2019 | $84.85 | $106.04 | $309.11 | $0.00 | $500.00 | 4/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 4/1/2019 | $202.83 | $390.55 | $406.62 | $0.00 | $1000.00 | 6/1/2019 | $52.47 | $244.22 | $203.31 | $0.00 | $500.00 | 7/1/2019 | $476.15 | $310.01 | $413.84 | $0.00 | $1200.00 | 10/1/2019 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 10/1/2019 | $0.00 | $321.04 | $178.96 | $0.00 | $500.00 | 11/1/2019 | $0.00 | $183.45 | $316.55 | $0.00 | $500.00 | 12/1/2019 | $700.23 | $163.69 | $136.08 | $0.00 | $1000.00 | 2/1/2020 | $195.39 | $194.08 | $210.53 | $0.00 | $600.00 | 3/1/2020 | $93.12 | $187.09 | $210.53 | $109.26 | $600.00 | 4/1/2020 | $0.00 | $270.59 | $379.41 | $0.00 | $650.00 | 5/1/2020 | $516.61 | $141.74 | $41.65 | $0.00 | $700.00 | 6/1/2020 | $812.69 | $211.04 | $210.53 | $165.74 | $1400.00 | 7/1/2020 | $218.83 | $170.64 | $210.53 | $0.00 | $600.00 | 8/1/2020 | $232.71 | $157.50 | $210.53 | $0.00 | $600.74 | 9/1/2020 | $132.99 | $207.22 | $210.53 | $0.00 | $550.74 | 10/1/2020 |  |  |  |  | 111101112111011111223220111000000000 | 111101112111011111223220111000000000 | TRUE | 18 | 5 | 1 | 0 | 1.83 | 1.52 | 1.25 | • Funds were applied from the suspense account in September 2019. | 11/5/2020 |
| 3158541307 | 36 | XXX | XXX | XXX | MI | XXXX | $38809.93 | 7.600% | Completed | Clayton | Delinquent | $38809.93 | $0.00 | $0.00 | Missing | $591.46 | $383.23 | Yes | $0.00 | $0.00 | 6/1/2020 | 7/1/2020 | 9/16/2020 | 9/30/2020 | $0.00 | $40.26 | $107.40 | $0.00 | $147.66 | 11/1/2017 | $0.00 | $242.61 | $403.78 | $0.00 | $646.39 | 12/1/2017 | $0.00 | $234.53 | $411.86 | $0.00 | $646.39 | 1/1/2018 | $0.00 | $242.61 | $403.78 | $0.00 | $646.39 | 2/1/2018 | $0.00 | $258.79 | $387.60 | $0.00 | $646.39 | 3/1/2018 | $0.00 | $258.79 | $387.60 | $0.00 | $646.39 | 4/1/2018 | $0.00 | $258.78 | $387.61 | $0.00 | $646.39 | 5/1/2018 | $0.00 | $317.08 | $329.31 | $0.00 | $646.39 | 6/1/2018 | $9.77 | $195.17 | $441.45 | $0.00 | $646.39 | 7/1/2018 | $0.00 | $276.44 | $369.95 | $0.00 | $646.39 | 8/1/2018 | $0.00 | $268.30 | $378.09 | $0.00 | $646.39 | 9/1/2018 | $0.00 | $252.04 | $394.35 | $0.00 | $646.39 | 10/1/2018 | $0.00 | $227.65 | $418.74 | $0.00 | $646.39 | 11/1/2018 | $0.00 | $260.17 | $369.94 | $0.00 | $630.11 | 12/1/2018 | $0.00 | $252.04 | $377.96 | $0.00 | $630.00 | 1/1/2019 | $0.00 | $252.04 | $383.50 | $0.00 | $635.54 | 2/1/2019 | $0.00 | $260.18 | $375.48 | $0.00 | $635.66 | 3/1/2019 | $0.00 | $219.52 | $416.02 | $0.00 | $635.54 | 4/1/2019 | $0.00 | $235.78 | $399.76 | $0.00 | $635.54 | 5/1/2019 | $0.00 | $268.30 | $367.24 | $0.00 | $635.54 | 6/1/2019 | $0.00 | $243.91 | $391.63 | $0.00 | $635.54 | 7/1/2019 | $0.00 | $235.78 | $400.30 | $0.00 | $636.08 | 8/1/2019 | $0.00 | $260.17 | $374.83 | $0.00 | $635.00 | 9/1/2019 | $0.00 | $243.91 | $391.63 | $0.00 | $635.54 | 10/1/2019 | $0.00 | $252.04 | $339.42 | $0.00 | $591.46 | 11/1/2019 | $0.00 | $243.91 | $347.55 | $0.00 | $591.46 | 12/1/2019 | $0.00 | $261.17 | $330.83 | $0.00 | $592.00 | 1/1/2020 | $0.00 | $258.82 | $357.10 | $0.00 | $615.92 | 2/1/2020 | $237.22 | $210.81 | $118.43 | $0.00 | $566.46 | 3/1/2020 | $0.00 | $249.83 | $198.20 | $0.00 | $448.03 | 3/1/2020 | $0.00 | $143.43 | $0.00 | $0.00 | $143.43 | 4/1/2020 | $0.00 | $448.03 | $0.00 | $0.00 | $448.03 | 4/1/2020 | $0.00 | $166.07 | $233.93 | $0.00 | $400.00 | 5/1/2020 | $0.00 | $225.65 | $109.24 | $0.00 | $334.89 | 6/1/2020 | $0.00 | $241.77 | $208.23 | $0.00 | $450.00 | 6/1/2020 | $0.00 | $141.46 | $0.00 | $0.00 | $141.46 | 7/1/2020 |  |  |  | TRUE | 000000000000000000000000000001122233 | 000000000000000000000000000001122233 | TRUE | 2 | 3 | 2 | 0 | 0.59 | 0.67 | 0.66 |  | 11/5/2020 |
| 3158541806 | 36 | XXX | XXX | XXX | AZ | XXXX | $91333.05 | 5.000% | Completed | Clayton | Current | $91433.53 | $0.00 | $0.00 | Missing | $663.35 | $475.21 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/1/2020 | 9/30/2020 | $0.00 | $310.98 | $289.62 | $0.00 | $600.60 | 11/1/2017 | $23.95 | $321.35 | $255.30 | $0.00 | $600.60 | 12/1/2017 | $116.98 | $310.90 | $172.72 | $0.00 | $600.60 | 1/1/2018 | $107.01 | $320.87 | $154.31 | $0.00 | $582.19 | 2/1/2018 | $107.36 | $320.52 | $154.31 | $0.00 | $582.19 | 3/1/2018 | $138.72 | $289.16 | $154.31 | $0.00 | $582.19 | 4/1/2018 | $108.21 | $319.67 | $154.31 | $0.00 | $582.19 | 5/1/2018 | $88.95 | $386.26 | $154.31 | $0.00 | $629.52 | 6/1/2018 | $76.46 | $398.75 | $154.31 | $0.00 | $629.52 | 7/1/2018 | $89.64 | $385.57 | $154.31 | $0.00 | $629.52 | 8/1/2018 | $77.15 | $398.06 | $154.31 | $0.00 | $629.52 | 9/1/2018 | $77.49 | $397.72 | $154.31 | $0.00 | $629.52 | 10/1/2018 | $90.65 | $384.56 | $154.31 | $0.00 | $629.52 | 11/1/2018 | $78.27 | $397.00 | $154.31 | $0.00 | $629.58 | 12/1/2018 | $91.33 | $383.88 | $154.31 | $0.00 | $629.52 | 1/1/2019 | $78.93 | $396.28 | $153.45 | $0.00 | $628.66 | 2/1/2019 | $79.26 | $395.95 | $153.45 | $0.00 | $628.66 | 3/1/2019 | $117.89 | $357.32 | $153.45 | $0.00 | $628.66 | 4/1/2019 | $80.10 | $395.11 | $153.45 | $0.00 | $628.66 | 5/1/2019 | $93.18 | $382.03 | $153.45 | $0.00 | $628.66 | 6/1/2019 | $80.83 | $394.38 | $153.45 | $0.00 | $628.66 | 7/1/2019 | $93.89 | $381.32 | $153.45 | $0.00 | $628.66 | 8/1/2019 | $81.58 | $393.63 | $153.45 | $0.00 | $628.66 | 9/1/2019 | $81.93 | $393.28 | $153.45 | $0.00 | $628.66 | 10/1/2019 | $94.95 | $380.26 | $153.45 | $0.00 | $628.66 | 11/1/2019 | $82.67 | $392.54 | $153.45 | $0.00 | $628.66 | 12/1/2019 | $95.68 | $379.53 | $153.45 | $0.00 | $628.66 | 1/1/2020 | $83.44 | $391.77 | $188.14 | $0.00 | $663.35 | 2/1/2020 | $84.85 | $390.36 | $188.14 | $0.00 | $663.35 | 3/1/2020 | $110.38 | $364.83 | $188.14 | $0.00 | $663.35 | 4/1/2020 | $85.68 | $389.53 | $188.14 | $0.00 | $663.35 | 5/1/2020 | $98.60 | $376.61 | $188.14 | $0.00 | $663.35 | 6/1/2020 | $86.47 | $388.74 | $188.14 | $0.00 | $663.35 | 7/1/2020 | $99.36 | $375.85 | $188.14 | $0.00 | $663.35 | 8/1/2020 | $87.25 | $387.96 | $188.14 | $0.00 | $663.35 | 9/1/2020 | $87.62 | $387.59 | $188.14 | $0.00 | $663.35 | 10/1/2020 |  |  |  | TRUE | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.00 | 1.00 |  | 11/5/2020 |
| 3158542061 | 36 | XXX | XXX | XXX | AZ | XXXX | $31799.12 | 4.250% | Completed | Clayton | Current | $31868.87 | $0.00 | $0.00 | Missing | $345.21 | $191.87 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/3/2020 | 9/30/2020 | $106.69 | $74.56 | $164.52 | $0.00 | $345.77 | 11/1/2017 | $116.14 | $85.39 | $144.24 | $0.00 | $345.77 | 12/1/2017 | $124.62 | $76.91 | $144.24 | $0.00 | $345.77 | 1/1/2018 | $100.67 | $100.86 | $152.14 | $0.00 | $353.67 | 2/1/2018 | $123.44 | $78.09 | $152.14 | $0.00 | $353.67 | 3/1/2018 | $139.78 | $61.75 | $152.14 | $0.00 | $353.67 | 4/1/2018 | $115.92 | $85.61 | $152.14 | $0.00 | $353.67 | 5/1/2018 | $118.82 | $82.71 | $152.14 | $0.00 | $353.67 | 6/1/2018 | $121.73 | $79.80 | $152.14 | $0.00 | $353.67 | 7/1/2018 | $111.35 | $90.18 | $152.14 | $0.00 | $353.67 | 8/1/2018 | $130.12 | $71.41 | $152.14 | $0.00 | $353.67 | 9/1/2018 | $111.90 | $89.63 | $152.14 | $0.00 | $353.67 | 10/1/2018 | $125.30 | $76.23 | $152.14 | $0.00 | $353.67 | 11/1/2018 | $104.56 | $96.97 | $152.14 | $0.00 | $353.67 | 12/1/2018 | $136.19 | $65.34 | $152.14 | $0.00 | $353.67 | 1/1/2019 | $121.21 | $80.32 | $186.44 | $0.00 | $387.97 | 2/1/2019 | $122.47 | $79.06 | $186.44 | $0.00 | $387.97 | 3/1/2019 | $0.00 | $112.47 | $275.50 | $0.00 | $387.97 | 4/1/2019 | $232.42 | $61.21 | $97.38 | $0.00 | $391.01 | 5/1/2019 | $86.45 | $118.12 | $186.44 | $0.00 | $391.01 | 6/1/2019 | $93.86 | $110.71 | $186.44 | $0.00 | $391.01 | 7/1/2019 | $90.57 | $114.00 | $186.44 | $0.00 | $391.01 | 8/1/2019 | $108.61 | $95.96 | $186.44 | $0.00 | $391.01 | 9/1/2019 | $76.99 | $127.58 | $186.44 | $0.00 | $391.01 | 10/1/2019 | $102.00 | $102.57 | $186.44 | $0.00 | $391.01 | 11/1/2019 | $102.28 | $102.29 | $186.44 | $0.00 | $391.01 | 12/1/2019 | $77.94 | $126.63 | $186.44 | $0.00 | $391.01 | 1/1/2020 | $0.00 | $106.19 | $251.72 | $0.00 | $357.91 | 2/1/2020 | $211.86 | $91.09 | $54.96 | $0.00 | $357.91 | 3/1/2020 | $135.95 | $68.62 | $153.34 | $0.00 | $357.91 | 4/1/2020 | $75.46 | $116.41 | $153.34 | $0.00 | $345.21 | 5/1/2020 | $86.98 | $104.89 | $153.34 | $0.00 | $345.21 | 6/1/2020 | $72.31 | $119.56 | $153.34 | $0.00 | $345.21 | 7/1/2020 | $72.58 | $119.29 | $153.34 | $0.00 | $345.21 | 8/1/2020 | $87.73 | $104.14 | $153.34 | $0.00 | $345.21 | 9/1/2020 | $73.17 | $118.70 | $153.34 | $0.00 | $345.21 | 10/1/2020 |  |  |  | TRUE | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.00 | 1.03 | 1.05 |  | 11/5/2020 |
| 3158542540 | 36 | XXX | XXX | XXX | CA | XXXX | $221988.89 | 4.500% | Completed | Clayton | Current | $223111.25 | $0.00 | $0.00 | Missing | $1608.79 | $1149.87 | Yes | $0.00 | $0.00 | 9/1/2020 | 10/1/2020 | 9/1/2020 | 9/30/2020 | $6271.30 | $626.01 | $515.92 | $0.00 | $7413.23 | 11/1/2017 | $2863.67 | $642.07 | $515.92 | $0.00 | $4021.66 | 12/1/2017 | $1668.81 | $894.71 | $412.24 | $0.00 | $2975.76 | 1/1/2018 | $1710.30 | $853.22 | $412.24 | $0.00 | $2975.76 | 2/1/2018 | $3620.89 | $877.41 | $412.24 | $0.00 | $4910.54 | 3/1/2018 | $2000.00 | $872.70 | $412.24 | $0.00 | $3284.94 | 4/1/2018 | $1783.31 | $780.21 | $412.24 | $0.00 | $2975.76 | 5/1/2018 | $6392.10 | $858.70 | $412.24 | $0.00 | $7663.04 | 6/1/2018 | $1764.31 | $799.21 | $485.81 | $0.00 | $3049.33 | 7/1/2018 | $1689.71 | $873.81 | $485.81 | $0.00 | $3049.33 | 8/1/2018 | $1756.98 | $806.54 | $485.81 | $0.00 | $3049.33 | 9/1/2018 | $34413.59 | $829.14 | $485.81 | $0.00 | $35728.54 | 10/1/2018 | $3000.00 | $824.56 | $485.81 | $0.00 | $4310.37 | 11/1/2018 | $2000.51 | $798.81 | $485.81 | $0.00 | $3285.13 | 12/1/2018 | $5199.49 | $973.36 | $485.81 | $0.00 | $6658.66 | 1/1/2019 | $2800.00 | $934.98 | $485.81 | $0.00 | $4220.79 | 2/1/2019 | $8000.00 | $921.53 | $485.81 | $0.00 | $9407.34 | 3/1/2019 | $1525.02 | $969.53 | $485.81 | $0.00 | $2980.36 | 4/1/2019 | $2474.98 | $824.76 | $485.81 | $0.00 | $3785.55 | 5/1/2019 | $2000.00 | $906.03 | $612.40 | $0.00 | $3518.43 | 7/1/2019 | $1624.92 | $869.63 | $467.95 | $0.00 | $2962.50 | 7/1/2019 | $2375.08 | $891.80 | $457.40 | $0.00 | $3724.28 | 8/1/2019 | $3200.00 | $856.81 | $457.40 | $0.00 | $4514.21 | 9/1/2019 | $6000.00 | $878.36 | $457.40 | $0.00 | $7335.76 | 10/1/2019 | $13000.00 | $864.48 | $457.40 | $0.00 | $14321.88 | 11/1/2019 | $945.61 | $804.33 | $457.40 | $0.00 | $2207.34 | 12/1/2019 | $818.58 | $931.36 | $457.40 | $0.00 | $2207.34 | 1/1/2020 | $1635.81 | $869.07 | $457.40 | $0.00 | $2962.28 | 2/1/2020 | $855.65 | $894.29 | $457.40 | $0.00 | $2207.34 | 3/1/2020 | $863.75 | $886.19 | $457.40 | $0.00 | $2207.34 | 4/1/2020 | $1154.96 | $825.98 | $457.40 | $0.00 | $2438.34 | 5/1/2020 | $1525.64 | $879.59 | $457.40 | $0.00 | $2862.63 | 6/1/2020 | $1101.38 | $848.56 | $458.92 | $0.00 | $2408.86 | 7/1/2020 | $1079.19 | $870.75 | $458.92 | $0.00 | $2408.86 | 8/1/2020 | $1619.43 | $837.51 | $458.92 | $0.00 | $2915.86 | 9/1/2020 | $1088.75 | $861.19 | $458.92 | $0.00 | $2408.86 | 10/1/2020 |  |  |  | TRUE | 000000000000000000000000000000000000 | 000000000000000000000000000000000000 | TRUE | 0 | 0 | 0 | 0 | 1.84 | 2.61 | 3.15 |  | 11/5/2020 |

---

## Exhibit 99.2

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

 **Exhibit 99.2 - Schedule 9**

![](ex99_001.gif)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower** | **Property State** | **As-of Date** | **Is Due Date Available?** | **Due Date** | **Default Status** | **Are there any missing comments during the review period?** | **Missing Comments Starting 1** | **Missing Comments End 1** | **Missing Comments Starting 2** | **Missing Comments End 2** | **Exception Comments** | **Summary Comment** | **Last Borrower Contact Date** | **Servicer Contact Attempts** | **Borrower Contact Comment** | **Borrower Intention** | **Active Cease and Desist Order?** | **Reason For Default** | **Future Default Risk** | **Imminent Default probable?** | **Ability to Pay** | **Willingness to Pay** | **Evidence of Dispute** | **Is there evidence the primary borrower or co-borrower is deceased?** | **Last Inspection Completed Date** | **Does the inspection occupancy match the borrower occupancy?** | **Current Occupancy - inspection** | **Occupancy - borrower** | **First Vacancy Date** | **Foreclosure?** | **Foreclosure Initiation Date** | **Last FC Stage** | **Last FC Stage Date** | **Is there evidence the current foreclosure may be dismissed?** | **FCL Delay Code** | **Greater than 1 year DQ and not in FCL flag** | **Unexplained Lack of Enforcement (Non-Foreclosure Related)** | **Bankruptcy?** | **Bankruptcy Chapter** | **Last Filing Date** | **Case Number** | **Current Bankruptcy Status** | **Bankruptcy Status date** | **Last Bankruptcy Stage** | **Last Bankruptcy Stage Date** | **Loss Mit?** | **Current Loss Mitigation Type** | **Current Loss Mit Status** | **Current Loss Mit Status Date** | **Previous Loss Mitigation Type** | **Previous Loss Mit Status** | **Previous Loss Mit Status Date** | **HHF Assistance?** | **Mediation Hearing?** | **Damage Flag** | **Damage Type** | **Estimated damage amount** | **Poor Property Condition with No Reported Damage?** | **Property Type Exception?** | **REO** | **REO Status** | **Evidence of Litigation** | **Active Military/SCRA Flag** | **Is there evidence of title issues?** | **Title Issue Type** | **Is there evidence the loan has been Paid in Full?** | **Is there evidence the loan has been charged off?** | **Unsecured Collateral?** | **Is there evidence of unpaid delinquent property taxes?** | **Delinquent Property Tax Amount** | **Evidence of ongoing insurance issue?** | **Evidence that property is located in a current FEMA disaster area?** | **Additional Risk Factors** |
| 3158541973 | XXX | Missing | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BANKRUPTCY: There is evidence of a prior bankruptcy case associated with this loan. The bankruptcy case number is Not Determined. The bankruptcy was reported as Discharged; however, the date was not available in the review period. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX when the borrower accepted a promise to pay for $958.46 dated for XXX.<br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Owner Occupied. | XXX | Contact made with borrower | The last contact with the borrower was on XXX when the borrower accepted a promise to pay for $958.46 dated for XXX. | No Contact | No | Current | Low | No | High | High | No | No | XXX | Yes | Owner Occupied | Owner Occupied |  | Never |  |  |  |  |  | No | No | Previously | Not Determined | XXX | Not Determined | Discharged | XXX | Discharged | XXX | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158537655 | XXX | CA | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The most recent borrower contact was on XXX at which time the borrower set up a promise to pay in the amount of $2433.81 for XXX.<br> OCCUPANCY: Conversations with the borrower indicated the occupancy of the property was Not Determined. | XXX | Contact made with borrower | The most recent borrower contact was on XXX at which time the borrower set up a promise to pay in the amount of $2433.81 for XXX. | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | Not Determined |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158537823 | XXX | Missing | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Contact attempted but unable to contact borrower. There is no evidence of recent borrower contact. |  | Contact attempted but unable to contact borrower |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158542088 | XXX | IN | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158540745 | XXX | MO | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Contact attempted but unable to contact borrower. There is no evidence of recent borrower contact. |  | Contact attempted but unable to contact borrower |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158537603 | XXX | AZ | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158539577 | XXX | MI | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | Retention | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158541317 | XXX | WV | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Contact attempted but unable to contact borrower. There is no evidence of recent borrower contact. <br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Owner Occupied. |  | Contact attempted but unable to contact borrower |  | No Contact | No | Current | Low | No | Medium | Medium | No | No | XXX | N/A | Owner Occupied | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158540338 | XXX | OH | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BANKRUPTCY: There is evidence of a prior bankruptcy case associated with this loan. The bankruptcy case number is Not Determined. The bankruptcy was reported as Discharged; however, the date was not available in the review period. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. Comments on XXX indicate the borrower called to inquire about options to lower the interest rate on the account. During the call, the servicer informed the borrower that a packet would be sent to the borrower so that the servicer could get more information from the borrower. There are no comments indicating the borrower submitted an application to refinance the loan prior to the end of the review period. | XXX | Contact made with borrower | Comments on XXX indicate the borrower called to inquire about options to lower the interest rate on the account. During the call, the servicer informed the borrower that a packet would be sent to the borrower so that the servicer could get more information from the borrower. There are no comments indicating the borrower submitted an application to refinance the loan prior to the end of the review period. | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | Owner Occupied |  | Never |  |  |  |  |  | No | No | Previously | Not Determined | XXX | Not Determined | Discharged | XXX | Discharged | XXX | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158538095 | XXX | OK | XXX | Yes | XXX | Current | No |  |  |  |  | • CEASE AND DESIST: A cease and desist was requested by the co-borrower, and placed on the loan on XXX.<br> • DECEASED BORROWER OR CO-BORROWER: Comments on XXX indicate the co-borrower called to inform the servicer that the borrower was deceased, and comments on XXX indicate the borrower had died on XXX. | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. Comments on XXX indicate the borrower called to find out the total amount due, including the late fees that had accumulated. The borrower made a promise to pay, and the pay history indicates a payment of $2,695.22 was received on that day.<br> DECEASED BORROWER: There is evidence that the borrower and/or co-borrower is deceased.<br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Owner Occupied. | XXX | Contact made with borrower | Comments on XXX indicate the borrower called to find out the total amount due, including the late fees that had accumulated. The borrower made a promise to pay, and the pay history indicates a payment of $2,695.22 was received on that day. | No Contact | Yes | Current | Low | No | High | High | No | Yes | XXX | Yes | Owner Occupied | Owner Occupied |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158538756 | XXX | IL | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The most recent borrower contact occurred on XXX in which the borrower stated they would make a payment in the amount of $2,795.00 by XXX. The payment history indicates that the payment in the amount of $2,795.00 was posted on XXX. The borrower stated that the property was owner occupied.<br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Owner Occupied. | XXX | Contact made with borrower | The most recent borrower contact occurred on XXXXin which the borrower stated they would make a payment in the amount of $2,795.00 by XXX. The payment history indicates that the payment in the amount of $2,795.00 was posted on XXX. The borrower stated that the property was owner occupied. | No Contact | No | Current | Low | No | High | High | No | No | XXX | Yes | Owner Occupied | Owner Occupied |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158542488 | XXX | OH | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158539661 | XXX | OH | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. <br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Not Determined. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No | XXX | N/A | Not Determined | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158539044 | XXX | MI | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. Comments on XXX indicate the servicer called the borrower, and during the call, the borrower made a promise to pay. A payment of $442.87 was received on XXX, according to the pay history.<br> OCCUPANCY: Conversations with the borrower indicated the occupancy of the property was Not Determined. | XXX | Contact made with borrower | Comments on XXX indicate the servicer called the borrower, and during the call, the borrower made a promise to pay. A payment of $442.87 was received on XXX, according to the pay history. | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | Not Determined |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158538479 | XXX | MI | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158542339 | XXX | MI | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158538166 | XXX | OH | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158539180 | XXX | TX | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158538489 | XXX | PA | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158541813 | XXX | IL | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  |  |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158541804 | XXX | OH | XXX | Yes | XXX | Collections | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Collections status. The reason for default is reported to be Curtailment of Income.<br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX. The borrower set up a payment on XXX in the amount of $982.24.<br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Owner Occupied. | XXX | Contact made with borrower | The last contact with the borrower was on XXX. The borrower set up a payment on XXX in the amount of $982.24. | No Contact | No | Curtailment of Income | Medium | No | Medium | Medium | No | No | XXX | Yes | Owner Occupied | Owner Occupied |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158538860 | XXX | Missing | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | Due Date Not Available | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158539660 | XXX | CA | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158542061 | XXX | AZ | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Contact attempted but unable to contact borrower. There is no evidence of recent borrower contact. |  | Contact attempted but unable to contact borrower |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158537660 | XXX | FL | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BANKRUPTCY: There is evidence of a prior bankruptcy case associated with this loan. The bankruptcy case number is Not Determined. The bankruptcy was reported as Discharged; however, the date was not available in the review period. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The servicing comments of XXX indicated the borrowed consented to proceed with interview and questioned a HAMP letter that was received. The borrower was not interested in mortgage assistance. | XXX | Contact made with borrower | The servicing comments of XXX indicated the borrowed consented to proceed with interview and questioned a HAMP letter that was received. The borrower was not interested in mortgage assistance. | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | Owner Occupied |  | Never |  |  |  |  |  | No | No | Previously | Not Determined | XXX | Not Determined | Discharged | XXX | Discharged | XXX | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158540789 | XXX | KY | XXX | Yes | XXX | Current | No |  |  |  |  |  | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The borrower was solicited for a modification on XXX. The borrower expressed the intent to keep the property. The borrower accepted a promise to pay for $600.00 which was applied towards the loan balance. | XXX | Contact made with borrower | The borrower was solicited for a modification on XXX. The borrower expressed the intent to keep the property. The borrower accepted a promise to pay for $600.00 which was applied towards the loan balance. | Retention | No | Current | Low | No | High | High | No | No |  | N/A |  | Owner Occupied |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158541034 | XXX | MI | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158541440 | XXX | MI | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158541375 | XXX | MS | XXX | Yes | XXX | Current | No |  |  |  |  |  | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The borrower last contact was on XXX. The borrower accepted a promise to pay for $546.32 on XXX<br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Owner Occupied. Conversations with the borrower indicated the occupancy of the property was Not Determined. | XXX | Contact made with borrower | The borrower last contact was on XXX. The borrower accepted a promise to pay for $546.32 on XXX. | Not Determined | No | Current | Low | No | High | High | No | No | XXX | N/A | Owner Occupied | Not Determined |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158540055 | XXX | Missing | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BANKRUPTCY: There is evidence of a prior bankruptcy case associated with this loan. The bankruptcy case number is Not Determined. The bankruptcy was reported as Discharged; however, the date was not available in the review period. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX when the borrower indicated they were not interested in mortgage assistance.<br> OCCUPANCY: Conversations with the borrower indicated the occupancy of the property was Not Determined. | XXX | Contact made with borrower | The last contact with the borrower was on XXX when the borrower indicated they were not interested in mortgage assistance. | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | Not Determined |  | Never |  |  |  |  |  | No | No | Previously | Not Determined | XXX | Not Determined | Discharged | XXX | Discharged | XXX | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158538359 | XXX | MI | XXX | Yes | XXX | Current | No |  |  |  |  |  | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX. The borrower confirmed the payment of $695.16 for date XXX. The borrower stated the reason for default was a payment dispute. <br> OCCUPANCY: Conversations with the borrower indicated the occupancy of the property was Not Determined. | XXX | Contact made with borrower | The last contact with the borrower was on XXX. The borrower confirmed the payment of $695.16 for date XXX. The borrower stated the reason for default was a payment dispute. | Not Determined | No | Current | Low | No | High | High | No | No |  | N/A |  | Not Determined |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158538156 | XXX | DE | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158539132 | XXX | IL | XXX | Yes | XXX | Collections | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Collections status. The reason for default is reported to be Curtailment of Income.<br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX. The borrower could not offer a promise to pay, they wanted to speak with spouse. <br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Owner Occupied. Conversations with the borrower indicated the occupancy of the property was Not Determined. | XXX | Contact made with borrower | The last contact with the borrower was on XXX. The borrower could not offer a promise to pay, they wanted to speak with spouse. | No Contact | No | Curtailment of Income | Medium | No | Medium | Medium | No | No | XXX | N/A | Owner Occupied | Not Determined |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158542197 | XXX | IL | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158539258 | XXX | IL | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158542490 | XXX | AZ | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. Commentary on XXX indicated the borrower income was reduced due to less available hours to work and the borrower no longer held additional secondary employment. The borrower was unable to complete a financial interview and there were no indications the borrower completed the financial interview through the end of the review period.<br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Owner Occupied. | XXX | Contact made with borrower | Commentary on XXX indicated the borrower income was reduced due to less available hours to work and the borrower no longer held additional secondary employment. The borrower was unable to complete a financial interview and there were no indications the borrower completed the financial interview through the end of the review period. | No Contact | No | Current | Low | No | High | High | No | No | XXX | Yes | Owner Occupied | Owner Occupied |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158538633 | XXX | MI | XXX | Yes | XXX | Current | No |  |  |  |  | • DECEASED BORROWER OR CO-BORROWER: Comments on XXX indicate the borrower's date of death is XXX. | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. <br> DECEASED BORROWER: There is evidence that the borrower and/or co-borrower is deceased. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | Yes |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158540690 | XXX | MI | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158537800 | XXX | OH | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Contact attempted but unable to contact borrower. There is no evidence of recent borrower contact. |  | Contact attempted but unable to contact borrower |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158541554 | XXX | PA | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158539792 | XXX | Missing | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX when the borrower made a promise to pay for $220.99 dated for XXXX.<br> OCCUPANCY: Conversations with the borrower indicated the occupancy of the property was Not Determined. | XXX | Contact made with borrower | The last contact with the borrower was on XXX when the borrower made a promise to pay for $220.99 dated for XXX. | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | Not Determined |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158540834 | XXX | CA | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX. The borrower was advised that the workout is in progress. The loan is current however prior comments indicate the borrower is unemployed. <br> OCCUPANCY: Conversations with the borrower indicated the occupancy of the property was Not Determined. | XXX | Contact attempts made during cease and desist | The last contact with the borrower was on XXX. The borrower was advised that the workout is in progress. The loan is current however prior comments indicate the borrower is XXX. | Not Determined | No | Current | Low | No | High | High | No | No |  | N/A |  | Not Determined |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158537886 | XXX | IL | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158542510 | XXX | WA | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158540347 | XXX | LA | XXX | Yes | XXX | Loss Mitigation | No |  |  |  |  | • ACTIVE LOSS MITIGATION: Comments on XXX and XXX indicate the account is on a XXX plan due to XXX, but there are no comments indicating the XXX plan ended prior to the end of the review period. | LOAN STATUS: The loan is currently in Loss Mitigation status. The reason for default is reported to be Not Determined.<br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. Comments on XXX indicate the borrower called the servicer, but the call was interrupted. <br> LOSS MITIGATION: There is evidence of an active XXX associated with this loan. The XXX review began on XXX. | XXX | Contact made with borrower | Comments on XXX indicate the borrower called the servicer, but the call was interrupted. | Not Determined | No | Not Determined | Medium | No | Medium | Medium | No | No |  | N/A |  | Owner Occupied |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Currently | XXX | In Process | XXX |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158541307 | XXX | MI | XXX | Yes | XXX | Loss Mitigation | No |  |  |  |  | • ACTIVE LOSS MITIGATION: The comment on XXX indicate that the borrower was setup on a Disaster XXX Plan due to XXX through to XXX, and per comment on XXX the XXX was extended through XXX. The comments on XXX indicate that the XXX was again extended through XXX as the borrower was still unable to make regular payments. The comment on XXX indicate that the borrower was advised of other possible options but stated they wanted to wait until the end of the XXX to proceed with any other loss mitigation options. | LOAN STATUS: The loan is currently in Loss Mitigation status. The reason for default is reported to be Curtailment of Income.<br> BANKRUPTCY: There is evidence of a prior bankruptcy case associated with this loan. The bankruptcy case number is Not Determined. The bankruptcy was reported as Discharged; however, the date was not available in the review period. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The most recent borrower contact occurred on XXX in which the borrower discuss other possible loss mitigation options as the borrower was on a XXX Plan due to XXX through XXX. The borrower stated that they wanted to wait until the end of the XXX to entertain any other loss mitigation options. The borrower also stated that the property was owner occupied.<br> LOSS MITIGATION: There is evidence of an active XXX associated with this loan. The XXX review began on XXX | XXX | Contact made with borrower | The most recent borrower contact occurred on XXX in which the borrower discuss other possible loss mitigation options as the borrower was on a XXX Plan due to XXX through XXX. The borrower stated that they wanted to wait until the end of the XXX to entertain any other loss mitigation options. The borrower also stated that the property was owner occupied. | Retention | No | Curtailment of Income | Medium | No | Low | Medium | No | No |  | N/A |  | Owner Occupied |  | Never |  |  |  |  |  | No | No | Previously | Not Determined | XXX | Not Determined | Discharged | XXX | Discharged | XXX | Currently | XXX | In Process | XXX |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158538669 | XXX | FL | XXX | Yes | XXX | Current | No |  |  |  |  | • ACTIVE LOSS MITIGATION: Commentary on XXX indicated an active Covid 19 XXX plan for 3 months with a payment of $905.81 to end on XXX; however, on XXX the XXX was extended for an additional 3 months through XXX. There were no indications that the XXX was completed or the XXX was extended through the end of the review period. | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Contact attempted but unable to contact borrower. There is no evidence of recent borrower contact. <br> LOSS MITIGATION: There is evidence of an active XXX associated with this loan. The XXX review began on XXX. |  | Contact attempted but unable to contact borrower |  | No Contact | No | Current | Medium | No | Medium | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Currently | XXX | In Process | XXX |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158541955 | XXX | Missing | XXX | Yes | XXX | Current | No |  |  |  |  | • DECEASED BORROWER OR CO-BORROWER: Commentary on XXX indicated the borrower died on XXX. | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. Commentary on XXX indicated the borrower was contacted; however, there were no additional notations in regards to the conversation topic. <br> DECEASED BORROWER: There is evidence that the borrower and/or co-borrower is deceased.<br> FORECLOSURE: There is evidence of previous foreclosure activity associated with this loan. The most recently completed foreclosure milestone was Close and Bill and the date of the Close and Bill was not available. <br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Owner Occupied. | XXX | Contact made with borrower | Commentary on XXX indicated the borrower was contacted; however, there were no additional notations in regards to the conversation topic. | No Contact | No | Current | Low | No | High | High | No | Yes | XXX | Yes | Owner Occupied | Owner Occupied |  | Previously | XXX | Close and Bill | XXX | No | N/A | No | No | Never |  |  |  |  |  |  |  | Never |  |  |  |  |  |  | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158537925 | XXX | Missing | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The borrower indicated on XXX that they would be interested in a preapproved offer for a loan modification and they indicated that they reside in the property. The loan was successfully modified on XXX at which point the loan was brought current and it has remained current since this time. <br> FORECLOSURE: There is evidence of previous foreclosure activity associated with this loan. The foreclosure was referred to the attorney on XXX. The most recently completed foreclosure milestone was Close and Bill completed on XXX. <br> LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan. The prior loss mitigation review of Loan Modification was Completed on XXX.<br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Owner Occupied. | XXX | Contact made with borrower | The borrower indicated on XXX that they would be interested in a preapproved offer for a loan modification and they indicated that they reside in the property. The loan was successfully modified on XXX at which point the loan was brought current and it has remained current since this time. | No Contact | No | Current | Low | No | Medium | High | No | No | XXX | Yes | Owner Occupied | Owner Occupied |  | Previously | XXX | Close and Bill | XXX | No | N/A | No | No | Never |  |  |  |  |  |  |  | Previously |  |  |  | Loan Modification | Completed | XXX | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158542002 | XXX | TX | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Contact attempted but unable to contact borrower. There is no evidence of recent borrower contact. <br> LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan. The prior loss mitigation review of Loan Modification was Completed on XXX.<br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Occupied by Unknown. |  | Contact attempted but unable to contact borrower |  | No Contact | No | Current | Low | No | High | High | No | No | XXX | N/A | Occupied by Unknown | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Previously |  |  |  | Loan Modification | Completed | XXX | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158537799 | XXX | Missing | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX when the borrower called to inquire about the workout in process. The loan was then modified on XXX.<br> LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan. The prior loss mitigation review of Loan Modification was Completed on XXX.<br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Owner Occupied. | XXX | Contact made with borrower | The last contact with the borrower was on XXX when the borrower called to inquire about the workout in process. The loan was then modified on XXX. | No Contact | No | Current | Low | No | High | High | No | No | XXX | Yes | Owner Occupied | Owner Occupied |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Previously |  |  |  | Loan Modification | Completed | XXX | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158539095 | XXX | NY | XXX | Yes | XXX | Loss Mitigation | No |  |  |  |  | • ACTIVE LOSS MITIGATION: A servicing note from XXX stated that the loan is currently under a Covid 19 XXX plan. | LOAN STATUS: The loan is currently in Loss Mitigation status. The reason for default is reported to be Not Determined.<br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. Contact with borrower was made on XXX and the servicer verified the borrower's phone number and mailing address. The borrower made a promise to pay. According to the payment history, the borrower made a payment in the amount of $1,538.38 on XXX.<br>FORECLOSURE: There is evidence of previous foreclosure activity associated with this loan. The foreclosure was referred to the attorney on XXX. The most recently completed foreclosure milestone was Close and Bill completed on XXX. <br> LOSS MITIGATION: There is evidence of an active XXX associated with this loan. The XXX review began on XXX. The prior loss mitigation review of Loan Modification was Completed on XXX<br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Owner Occupied. | XXX | Contact made with borrower | Contact with borrower was made on XXX and the servicer verified the borrower's phone number and mailing address. The borrower made a promise to pay. According to the payment history, the borrower made a payment in the amount of $1,538.38 on XXX. | No Contact | No | Not Determined | Medium | No | Medium | Medium | No | No | XXX | Yes | Owner Occupied | Owner Occupied |  | Previously | XXX | Close and Bill | XXX | No | N/A | No | No | Never |  |  |  |  |  |  |  | Currently | XXX | In Process | XXX | Loan Modification | Completed | XXX | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158540771 | XXX | MI | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The borrower promised to make a payment during a call with the servicer. According to the payment history, a payment in the amount of $105.40 was made on XXX as the XXX payment was short. No further questions remained. <br> LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan. The prior loss mitigation review of Loan Modification was Completed on XXX.<br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Owner Occupied. | XXX | Contact made with borrower | The borrower promised to make a payment during a call with the servicer. According to the payment history, a payment in the amount of $105.40 was made on XXX as the XXX payment was short. No further questions remained. | Retention | No | Current | Low | No | High | High | No | No | XXX | Yes | Owner Occupied | Owner Occupied |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Previously |  |  |  | Loan Modification | Completed | XXX | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158541223 | XXX | CA | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BANKRUPTCY: There is evidence of a prior bankruptcy case associated with this loan. The bankruptcy case number is Not Determined. The bankruptcy status was not determined. <br> BORROWER CONTACT: Not attempting to contact borrower for valid reason. There is no evidence of recent borrower contact. <br> LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan. The date of the prior loss mitigation status is not available.<br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Owner Occupied. |  | Not attempting to contact borrower for valid reason |  | No Contact | No | Current | Low | No | High | High | No | No | XXX | N/A | Owner Occupied | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Previously | Not Determined | XXX | Not Determined | Not Determined | XXX | Not Determined | XXX | Previously |  |  |  | Loan Modification | Completed | XXX | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158539810 | XXX | FL | XXX | Yes | XXX | Current | No |  |  |  |  | • PROPERTY DAMAGE: Commentary on XXX indicated the reason for the default was household repairs; however, there were no further details provided in regards to the status of the repairs through the end of the review period. | LOAN STATUS: The loan is currently in Current status. <br> BANKRUPTCY: There is evidence of a prior bankruptcy case associated with this loan. The bankruptcy case number is Not Determined. The bankruptcy status was not determined. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. Commentary on XXX indicated the borrower was interested in mortgage assistance, a prior loan modification was completed, and the borrower would not commit to a payment. There were no further notations the borrower pursued mortgage assistance through the end of the review period.<br> DAMAGE: There is evidence of property damage caused by Not Determined, the total of which was not provided.<br> FORECLOSURE: There is evidence of previous foreclosure activity associated with this loan. The most recently completed foreclosure milestone was Close and Bill and the date of the Close and Bill was not available. <br> LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan. The prior loss mitigation review of Loan Modification was Completed on XXX. | XXX | Contact made with borrower | Commentary on XXX indicated the borrower was interested in mortgage assistance, a prior loan modification was completed, and the borrower would not commit to a payment. There were no further notations the borrower pursued mortgage assistance through the end of the review period. | No Contact | No | Current | Low | No | Medium | High | No | No |  | N/A |  | Owner Occupied |  | Previously | XXX | Close and Bill | XXX | No | N/A | No | No | Previously | Not Determined | XXX | Not Determined | Not Determined | XXX | Not Determined | XXX | Previously |  |  |  | Loan Modification | Completed | XXX | No | No | Yes | Not Determined |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158540201 | XXX | LA | XXX | Yes | XXX | Current/Bankruptcy | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current/Bankruptcy status. <br> BANKRUPTCY: There is evidence of an active bankruptcy case associated with this loan. The bankruptcy case number is Not Determined. The bankruptcy is active as of XXX. <br> BORROWER CONTACT: Contact attempted but unable to contact borrower. There is no evidence of recent borrower contact. <br> LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan. The prior loss mitigation review of Loan Modification was Completed on XXX.<br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Owner Occupied. |  | Contact attempted but unable to contact borrower |  | No Contact | No | Current | Low | No | Medium | High | No | No | XXX | N/A | Owner Occupied | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Currently | Not Determined | XXX | Not Determined | Active | XXX | Not Determined | XXX | Previously |  |  |  | Loan Modification | Completed | XXX | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158538863 | XXX | OH | XXX | Yes | XXX | Current | No |  |  |  |  | • OCCUPANCY DISCREPANCY: According to the most recent inspection on XXX the property is occupied by unknown; however according to a conversation on XXX, the property is occupied by owner. | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The most recent borrower contact occurred on XXX in which the borrower discussed possible loss mitigation, borrower stated he fell behind due to excessive obligations. The borrower also stated that the property was owner occupied. The comments on XXX indicate that a trial payment plan was setup. Per comment on XXX the final modification setup was completed.<br> LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan. The prior loss mitigation review of Loan Modification was Completed on XXX.<br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Occupied by Unknown. Conversations with the borrower indicated the occupancy of the property was Owner Occupied. | XXX | Contact made with borrower | The most recent borrower contact occurred on XXX in which the borrower discussed possible loss mitigation, borrower stated he fell behind due to excessive obligations. The borrower also stated that the property was owner occupied. The comments on XXX indicate that a trial payment plan was setup. Per comment on XXX the final modification setup was completed. | No Contact | No | Current | Low | No | High | High | No | No | XXX | No | Occupied by Unknown | Owner Occupied |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Previously |  |  |  | Loan Modification | Completed | XXX | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158537495 | XXX | OH | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. The reason for default is reported to be Curtailment of Income.<br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX0. Commentary on XXX indicated the borrower completed a promise to pay in the amount of $887.83 and the plan was noted as kept. <br> FORECLOSURE: There is evidence of previous foreclosure activity associated with this loan. The most recently completed foreclosure milestone was Close and Bill and the date of the Close and Bill was not available. <br> LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan. The prior loss mitigation review of Loan Modification was Completed on XXX.<br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Owner Occupied. | XXX | Contact made with borrower | Commentary on XXX indicated the borrower completed a promise to pay in the amount of $887.83 and the plan was noted as kept. | Retention | No | Curtailment of Income | Medium | No | Medium | Medium | No | No | XXX | Yes | Owner Occupied | Owner Occupied |  | Previously | XXX | Close and Bill | XXX | No | N/A | No | No | Never |  |  |  |  |  |  |  | Previously |  |  |  | Loan Modification | Completed | XXX | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158542144 | XXX | OH | XXX | Yes | XXX | Current | No |  |  |  |  | • OCCUPANCY DISCREPANCY: The last inspection shows that the home is owner occupied on XXX. The last contact with the borrower on XXX indicated the home was no-owner occupied. | LOAN STATUS: The loan is currently in Current status. <br> BANKRUPTCY: There is evidence of a prior bankruptcy case associated with this loan. The bankruptcy case number is Not Determined. The bankruptcy was reported as Discharged; however, the date was not available in the review period. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The most recent borrower contact was on XXX at which time the borrower accepted a promise to pay in the amount of $1000.00 for XXX. The borrower also consented to proceed with an Early Resolution interview. <br> LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan. The prior loss mitigation review of Loan Modification was Completed on XXX.<br> OCCUPANCY: The most recent inspection was completed on XXX. The inspection determined the occupancy of the property was Owner Occupied. Conversations with the borrower indicated the occupancy of the property was Occupied by Unknown. | XXX | Contact made with borrower | The most recent borrower contact was on XXX at which time the borrower accepted a promise to pay in the amount of $1000.00 for XXX. The borrower also consented to proceed with an Early Resolution interview. | No Contact | No | Current | Low | No | High | High | No | No | XXX | No | Owner Occupied | Occupied by Unknown |  | Never |  |  |  |  |  | No | No | Previously | Not Determined | XXX | Not Determined | Discharged | XXX | Discharged | XXX | Previously |  |  |  | Loan Modification | Completed | XXX | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158537509 | XXX | LA | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Contact attempted but unable to contact borrower. There is no evidence of recent borrower contact. <br> LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan. The prior loss mitigation review of Loan Modification was Completed on XXX. |  | Contact attempted but unable to contact borrower |  | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Previously |  |  |  | Loan Modification | Completed | XXX | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158538081 | XXX | Missing | XXX | Yes | XXX | Current | No |  |  |  |  | (No Data) | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX when the borrower called about their loan modification.<br> LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan. The prior loss mitigation review of Loan Modification was Completed on XXX. | XXX | Contact made with borrower | The last contact with the borrower was on XXX when the borrower called about their loan modification. | No Contact | No | Current | Low | No | High | High | No | No |  | N/A |  | Owner Occupied |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Previously |  |  |  | Loan Modification | Completed | XXX | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158539958 | XXX | Missing | XXX | Yes | XXX | Current | No |  |  |  |  | • DECEASED BORROWER OR CO-BORROWER: A comment dated XXX indicates one of the borrower died on XXX and the name change on the loan was completed. | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX when the borrower was called about their loan modification.<br> DECEASED BORROWER: There is evidence that the borrower and/or co-borrower is deceased.<br> LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan. The prior loss mitigation review of Loan Modification was Completed on XXX.<br> OCCUPANCY: Conversations with the borrower indicated the occupancy of the property was Not Determined. | XXX | Contact made with borrower | The last contact with the borrower was on XXX when the borrower was called about their loan modification. | No Contact | No | Current | Low | No | High | High | No | Yes |  | N/A |  | Not Determined |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Previously |  |  |  | Loan Modification | Completed | XXX | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158541289 | XXX | OH | XXX | Yes | XXX | Current | No |  |  |  |  | • DECEASED BORROWER OR CO-BORROWER: Commentary on XXX indicated a deceased borrower with a date of death of XXX. | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: Contact attempted but unable to contact borrower. There is no evidence of recent borrower contact. <br> DECEASED BORROWER: There is evidence that the borrower and/or co-borrower is deceased.<br> LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan. The prior loss mitigation review of Loan Modification was Completed on XXX. |  | Contact attempted but unable to contact borrower |  | No Contact | No | Current | Low | No | High | High | No | Yes |  | N/A |  | No Borrower Contact |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Previously |  |  |  | Loan Modification | Completed | XXX | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |
| 3158540618 | XXX | OH | XXX | Yes | XXX | Current | No |  |  |  |  |  | LOAN STATUS: The loan is currently in Current status. <br> BORROWER CONTACT: The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX. The details of the conversation is not available.<br> LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan. The prior loss mitigation review of Loan Modification was Completed on XXX. | XXX | Contact made with borrower | The last contact with the borrower was on XXX. The details of the conversation is not available. | Not Determined | No | Current | Low | No | Medium | Medium | No | No |  | N/A |  | Owner Occupied |  | Never |  |  |  |  |  | No | No | Never |  |  |  |  |  |  |  | Previously |  |  |  | Loan Modification | Completed | XXX | No | No | No |  |  | No | No | No |  | No | No | No |  | No | No | No | No |  | No | No | No |

---

![](ex99_001.gif)

---

| | | |
|:---|:---|:---|
| **Loan Number** | **Exception Description** | **Initial Clayton Exception Comments** |
| 3158541955 | DECEASED BORROWER OR CO-BORROWER | Commentary on XXXX indicated the borrower died on XXXX. |
| 3158540347 | ACTIVE LOSS MITIGATION | Comments on 5/7/2020 and 7/23/2020 indicate the account is on a forbearance plan due to Covid-19, but there are no comments indicating the forbearance plan ended prior to the end of the review period. |
| 3158541307 | ACTIVE LOSS MITIGATION | The comment on 5/4/2020 indicate that the borrower was setup on a Disaster Forbearance Plan due to Covid-19 through to June 2020, and per comment on 6/26/2020 the Forbearance was extended through September 2020. The comments on 9/10/2020 indicate that the Forbearance was again extended through December 2020 as the borrower was still unable to make regular payments. The comment on 9/21/2020 indicate that the borrower was advised of other possible options but stated they wanted to wait until the end of the Forbearance to proceed with any other loss mitigation options. |
| 3158539095 | ACTIVE LOSS MITIGATION | A servicing note from 9/18/2020 stated that the loan is currently under a Covid 19 forbearance plan. |
| 3158539810 | PROPERTY DAMAGE | Commentary on 10/9/2018 indicated the reason for the default was household repairs; however, there were no further details provided in regards to the status of the repairs through the end of the review period. |
| 3158538095 | DECEASED BORROWER OR CO-BORROWER | Comments on 8/20/2018 indicate the co-borrower called to inform the servicer that the borrower was deceased, and comments on 9/12/2018 indicate the borrower had died on XXXX. |
| 3158538095 | CEASE AND DESIST | A cease and desist was requested by the co-borrower, and placed on the loan on 10/11/2018. |
| 3158538863 | OCCUPANCY DISCREPANCY | According to the most recent inspection on 3/28/2018 the property is occupied by unknown; however according to a conversation on 11/16/2017, the property is occupied by owner. |
| 3158542144 | OCCUPANCY DISCREPANCY | The last inspection shows that the home is owner occupied on 1/4/2020. The last contact with the borrower on 3/28/2019 indicated the home was no-owner occupied. |
| 3158539958 | DECEASED BORROWER OR CO-BORROWER | A comment dated 6/9/2018 indicates one of the borrower died on XXXX and the name change on the loan was completed. |
| 3158541289 | DECEASED BORROWER OR CO-BORROWER | Commentary on 2/1/2018 indicated a deceased borrower with a date of death of 12/5/2017. |
| 3158538633 | DECEASED BORROWER OR CO-BORROWER | Comments on 11/11/2018 indicate the borrower's date of death is XXXX. |
| 3158538669 | ACTIVE LOSS MITIGATION | Commentary on 5/4/2020 indicated an active Covid 19 forbearance plan for 3 months with a payment of $905.81 to end on 6/1/2020; however, on 7/1/2020 the forbearance was extended for an additional 3 months through 9/1/2020. There were no indications that the forbearance was completed or the forbearance was extended through the end of the review period. |

---

## Exhibit 99.3

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

**Exhibit 99.3 - Schedule 1**

![](ex993001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

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

The loans in the Review carried origination dates between November 1995 and May 2013.

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

The Review was conducted on five hundred twenty-seven (527) mortgage loans with an aggregate original principal balance of approximately $72.579 million.

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

▪ "Compliance
 Review": 527
 mortgage loans

**▪** "Payment
 History Review": 527
 mortgage loans

▪ "Servicing
 Comment Review": 527 mortgage
 loans

▪ "Title
 Review": 706 mortgage
 loans

▪ "Data
 Integrity": 527 mortgage
 loans

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Original LTV |  |

---

Additionally, AMC verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, and (iv) that social security numbers across documents were consistent.

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

Not applicable.

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

Not applicable.

1 \| P a g e

![](ex993001.jpg)

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

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

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

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014 (527 mortgage loans)</u>**

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

2 \| P a g e

![](ex993001.jpg)

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(VI) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

3 \| P a g e

![](ex993001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

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

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

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

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

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

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

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

**Collection Comment Review:** AMC performed a collection comment review utilizing individual mortgage loan collection comments provided by the servicers in order to provide a brief summary outlining current performance status, the borrower's ability to pay, relative future/current risk (including hardship, life changes, etc.), possible servicer remedies, loss mitigation efforts, and modifications.

**Payment History Review:** AMC performed a review utilizing individual mortgage loan payment history reports provided by the servicers. Using the MBA methodology, AMC created a payment string using a 36 month look back period for each mortgage loan within the payment history population.

**Title Review:** As requested by the Client, a title review was included in SitusAMC's scope of review. To facilitate this review, the Client provided SitusAMC with identifying data on the population of mortgage loans. Data provided by the client, included mortgage loan and servicer identification numbers as well as subject property address, borrower names, origination date, original mortgage loan amount for the subject mortgage and title policies from origination as it relates to the subject mortgage. Using the data provided, SitusAMC ordered a current owner's title search on these mortgage loans through a service provider. Upon receipt and review of the current owner's title search results, SitusAMC identified whether or not the subject mortgage was of record, whether any deed vesting concerns of substance were present, and whether the title search report revealed any liens and/or judgments which could affect the seniority of the subject mortgage, including potentially superior post origination liens and/or judgments such as Property Tax Liens, Municipal Liens, and Association Super Liens. SitusAMC reviewed the title policies for all liens and/or judgments that were recorded before the recordation of the subject mortgage to determine if any identifiable liens and/or judgments were listed as an exception on schedule B of the applicable title policies.

**(9) Disclaimer**

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

4 \| P a g e

![](ex993001.jpg)

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL REVIEW RESULTS SUMMARY (527 Mortgage Loans)**

There were five hundred twenty-seven (527) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, five hundred twenty (520) had a Compliance Review "B" grade or higher, four (4) had a Compliance Review "C" grade, and three (3) had a Compliance Review "D" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;518 | &nbsp;&nbsp;98.29% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.57% |

---

5 \| P a g e

![](ex993001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;Missing, Incorrect, or Incomplete HUD-1 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;***Total Compliance Grade (D) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;Federal Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***11*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;500 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data | &nbsp;&nbsp;354 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete GFE | &nbsp;&nbsp;277 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;199 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;167 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;155 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;142 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;92 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;44 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final TIL | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Legal / Regulatory / Compliance | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Safe Act | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Final TIL Estimated | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Note | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;LTV Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***2090*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**2104** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the five hundred twenty-seven (527) loans mortgage loans reviewed, all five hundred twenty-seven (527) loans (100%) mortgage loans had tape discrepancies across twenty-two (22) unique data fields. The most common tape discrepancies were Original Interest Rate, Original P&I and Appraised Value.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;144 | &nbsp;&nbsp;221 | &nbsp;&nbsp;65.16% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;415 | &nbsp;&nbsp;527 | &nbsp;&nbsp;78.75% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;20 | &nbsp;&nbsp;527 | &nbsp;&nbsp;3.80% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;172 | &nbsp;&nbsp;527 | &nbsp;&nbsp;32.64% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;169 | &nbsp;&nbsp;204 | &nbsp;&nbsp;82.84% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;105 | &nbsp;&nbsp;527 | &nbsp;&nbsp;19.92% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;141 | &nbsp;&nbsp;175 | &nbsp;&nbsp;80.57% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;204 | &nbsp;&nbsp;204 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;Interest Rate Initial Floor | &nbsp;&nbsp;191 | &nbsp;&nbsp;193 | &nbsp;&nbsp;98.96% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;9 | &nbsp;&nbsp;527 | &nbsp;&nbsp;1.71% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;175 | &nbsp;&nbsp;204 | &nbsp;&nbsp;85.78% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;75 | &nbsp;&nbsp;527 | &nbsp;&nbsp;14.23% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;26 | &nbsp;&nbsp;527 | &nbsp;&nbsp;4.93% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;497 | &nbsp;&nbsp;527 | &nbsp;&nbsp;94.31% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;38 | &nbsp;&nbsp;527 | &nbsp;&nbsp;7.21% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;23 | &nbsp;&nbsp;527 | &nbsp;&nbsp;4.36% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;496 | &nbsp;&nbsp;527 | &nbsp;&nbsp;94.12% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;404 | &nbsp;&nbsp;527 | &nbsp;&nbsp;76.66% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;381 | &nbsp;&nbsp;527 | &nbsp;&nbsp;72.30% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;39 | &nbsp;&nbsp;527 | &nbsp;&nbsp;7.40% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;284 | &nbsp;&nbsp;515 | &nbsp;&nbsp;55.15% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;527 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;148 | &nbsp;&nbsp;527 | &nbsp;&nbsp;28.08% | &nbsp;&nbsp;527 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**4156** | &nbsp;&nbsp;**10148** | &nbsp;&nbsp;**40.95%** | &nbsp;&nbsp;**527** |

---

6 \| P a g e

![](ex993001.jpg)

**PAYMENT HISTORY REVIEW SUMMARY (527 Mortgage Loans)**

A Payment History Review was conducted on five hundred twenty-seven (527) mortgage loans. All five hundred twenty-seven (527) mortgage loans subjected to the Payment History Review had complete pay history strings. In total, one hundred eighteen (118) mortgage loans (22.39%) showed at last one delinquency within the look back period.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Category** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;No Delinquency, No Missing Data | &nbsp;&nbsp;409 | &nbsp;&nbsp;77.61% |
| &nbsp;&nbsp;Delinquency, No Missing Data | &nbsp;&nbsp;118 | &nbsp;&nbsp;22.39% |
| &nbsp;&nbsp;No Delinquency, At Least One Month Missing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Delinquency, At Least One Month Missing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**527** | &nbsp;&nbsp;**100.00%** |

---

**COLLECTION COMMENT REVIEW SUMMARY (527 Mortgage Loans)**

AMC conducted a Collection Comment Review on five hundred twenty-seven (527) mortgage loans. Of the mortgage loans subject to the collection comment review, five hundred twenty-one (521) mortgage loans (98.86%) triggered an EV1 or EV2 exception level and six (6) mortgage loans (1.14%) triggered an EV3 exception level.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Servicing Review Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;508 | &nbsp;&nbsp;96.39% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;13 | &nbsp;&nbsp;2.47% |
| &nbsp;&nbsp;3 | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**527** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Grade** | &nbsp;&nbsp;**Exception** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Comment | &nbsp;&nbsp;3 | &nbsp;&nbsp;Damaged Interior - Damage remains unresolved and no indication covered by insurance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Comment | &nbsp;&nbsp;3 | &nbsp;&nbsp;Mortgagor Deceased - Not clear or no information on executor/heir | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Comment | &nbsp;&nbsp;3 | &nbsp;&nbsp;Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Comment | &nbsp;&nbsp;3 | &nbsp;&nbsp;***Total Comment Grade (3) Exceptions:*** | &nbsp;&nbsp;***6*** |

---

7 \| P a g e

![](ex993001.jpg)

**SitusAMC TITLE REVIEW SUMMARY (706 Mortgage Loans)**

As part of the due diligence services, the Client provided SitusAMC with identifying data on 706 mortgage loans. Based on the scope of review set forth herein, the critical findings are summarized as follows:

● Except with respect to 2 mortgage loan files, there are no potential issues concerning origination deed vesting. With respect to the 2 mortgage loan files, 1 mortgage loan file contains a Title Policy on which there are no stated exceptions which explicitly preclude coverage and 1 mortgage loan files does not contain sufficient title evidence to mitigate the issue.

● Except with respect to 2 Association Liens across 2 mortgage loan files, no unresolved Super Position HOA Liens recorded after the subject mortgage which were entitled to limited or full lien priority over the subject mortgage were identified. 1 of these Association Liens were determined to be past the statutory timeline for enforcement.

● Except with respect to 71 Municipal Liens across 28 mortgage loan files, no unresolved Municipal Liens which had limited or full lien priority over the subject mortgage were located.

● Except with respect to 12 Property Tax Liens across 7 mortgage loan files, no unresolved Property Tax Liens which had limited or full lien priority over the subject mortgage were located.

● Except with respect to 9 Prior Liens across 7 mortgage loan files which were recorded prior to the subject mortgage, all Prior Liens identified in our review have been resolved. With respect to the 9 Prior Liens across 7 mortgage loan files, all 9 Prior Liens were not able to be mitigated as the mortgage loan files did contain sufficient title evidence.

● Except with respect to 109 Prior Mortgages across 95 mortgage loan files which were recorded prior to the subject mortgage, all Prior Mortgages identified in our review have been resolved. With respect to the 109 Prior Mortgages across 95 mortgage loan files, 15 Prior Mortgages were determined to be mitigated as the mortgage loan files contain a Title Policy on which there are no stated exceptions which explicitly preclude coverage, 24 Prior Mortgages were determined to be mitigated as the statutory timeline for enforcement as passed, and 70 Prior Mortgages were not able to be mitigated as the mortgage loan file did not contain sufficient title evidence.

● 2 mortgage files contained evidence of a Release of Lien for the subject security instrument.

● 3 mortgage files did not contain evidence that the subject security instruments were recorded.

● As to any Miscellaneous Items of substance, the items in this category typically defy standard categorization or summarization and are individually detailed.

**ADDITIONAL LOAN POPULATION SUMMARY\***

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;323 | &nbsp;&nbsp;61.29% | &nbsp;&nbsp;$34927383.12 | &nbsp;&nbsp;48.12% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;204 | &nbsp;&nbsp;38.71% | &nbsp;&nbsp;$37652000.06 | &nbsp;&nbsp;51.88% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**527** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$72579383.18** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;500 | &nbsp;&nbsp;94.88% | &nbsp;&nbsp;$71107167.32 | &nbsp;&nbsp;97.97% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;27 | &nbsp;&nbsp;5.12% | &nbsp;&nbsp;$1472215.86 | &nbsp;&nbsp;2.03% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**527** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$72579383.18** | &nbsp;&nbsp;**100.00%** |

---

8 \| P a g e

![](ex993001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;211 | &nbsp;&nbsp;40.04% | &nbsp;&nbsp;$28331345.76 | &nbsp;&nbsp;39.03% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;208 | &nbsp;&nbsp;39.47% | &nbsp;&nbsp;$29897472.04 | &nbsp;&nbsp;41.19% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.52% | &nbsp;&nbsp;$644534.00 | &nbsp;&nbsp;0.89% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;11 | &nbsp;&nbsp;2.09% | &nbsp;&nbsp;$1980179.00 | &nbsp;&nbsp;2.73% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;62 | &nbsp;&nbsp;11.76% | &nbsp;&nbsp;$8900698.52 | &nbsp;&nbsp;12.26% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;27 | &nbsp;&nbsp;5.12% | &nbsp;&nbsp;$2825153.86 | &nbsp;&nbsp;3.89% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**527** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$72579383.18** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;0-120 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;$132609.45 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;32 | &nbsp;&nbsp;6.07% | &nbsp;&nbsp;$2955768.23 | &nbsp;&nbsp;4.07% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;65 | &nbsp;&nbsp;12.33% | &nbsp;&nbsp;$6353283.86 | &nbsp;&nbsp;8.75% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;427 | &nbsp;&nbsp;81.02% | &nbsp;&nbsp;$62497721.64 | &nbsp;&nbsp;86.11% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.19% | &nbsp;&nbsp;$640000.00 | &nbsp;&nbsp;0.88% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**527** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$72579383.18** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;137 | &nbsp;&nbsp;26.00% | &nbsp;&nbsp;$26704328.34 | &nbsp;&nbsp;36.79% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.19% | &nbsp;&nbsp;$67000.00 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.33% | &nbsp;&nbsp;$1021584.00 | &nbsp;&nbsp;1.41% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.19% | &nbsp;&nbsp;$92000.00 | &nbsp;&nbsp;0.13% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.95% | &nbsp;&nbsp;$1333388.00 | &nbsp;&nbsp;1.84% |
| &nbsp;&nbsp;Single-wide Manufactured Housing | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.76% | &nbsp;&nbsp;$285450.00 | &nbsp;&nbsp;0.39% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.95% | &nbsp;&nbsp;$636000.00 | &nbsp;&nbsp;0.88% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.33% | &nbsp;&nbsp;$2799175.00 | &nbsp;&nbsp;3.86% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.57% | &nbsp;&nbsp;$825832.00 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.19% | &nbsp;&nbsp;$796000.00 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;356 | &nbsp;&nbsp;67.55% | &nbsp;&nbsp;$38018625.84 | &nbsp;&nbsp;52.38% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**527** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$72579383.18** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;492 | &nbsp;&nbsp;93.36% | &nbsp;&nbsp;$67863753.18 | &nbsp;&nbsp;93.50% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;18 | &nbsp;&nbsp;3.42% | &nbsp;&nbsp;$3261550.00 | &nbsp;&nbsp;4.49% |
| &nbsp;&nbsp;Unknown | &nbsp;&nbsp;17 | &nbsp;&nbsp;3.23% | &nbsp;&nbsp;$1454080.00 | &nbsp;&nbsp;2.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**527** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$72579383.18** | &nbsp;&nbsp;**100.00%** |

---

9 \| P a g e

## Exhibit 99.3

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

 **Exhibit 99.3 - Schedule 2**

![](ex99-01.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Grade Summary** | **Grade Summary** | **Grade Summary** | **Grade Summary** | **Grade Summary** |
| **Standard and Poor's Loan Grades** | **Standard and Poor's Loan Grades** | **Standard and Poor's Loan Grades** | **Standard and Poor's Loan Grades** | **Standard and Poor's Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 2 | 0 | 2 |
| B | 0 | 518 | 0 | 518 |
| C | 0 | 4 | 0 | 4 |
| D | 0 | 3 | 0 | 3 |
| **Total** | **0** | **527** | **0** | **527** |
| **Fitch Loan Grades** | **Fitch Loan Grades** | **Fitch Loan Grades** | **Fitch Loan Grades** | **Fitch Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 2 | 0 | 2 |
| B | 0 | 518 | 0 | 518 |
| C | 0 | 4 | 0 | 4 |
| D | 0 | 3 | 0 | 3 |
| **Total** | **0** | **527** | **0** | **527** |
| **DBRS Rating Agency Loan Grades** | **DBRS Rating Agency Loan Grades** | **DBRS Rating Agency Loan Grades** | **DBRS Rating Agency Loan Grades** | **DBRS Rating Agency Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 2 | 0 | 2 |
| B | 0 | 518 | 0 | 518 |
| C | 0 | 4 | 0 | 4 |
| D | 0 | 3 | 0 | 3 |
| **Total** | **0** | **527** | **0** | **527** |
| **Moodys Rating Agency Loan Grades** | **Moodys Rating Agency Loan Grades** | **Moodys Rating Agency Loan Grades** | **Moodys Rating Agency Loan Grades** | **Moodys Rating Agency Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 2 | 0 | 2 |
| B | 0 | 518 | 0 | 518 |
| C | 0 | 4 | 0 | 4 |
| D | 0 | 3 | 0 | 3 |
| **Total** | **0** | **527** | **0** | **527** |
| **Kroll Rating Agency Loan Grades** | **Kroll Rating Agency Loan Grades** | **Kroll Rating Agency Loan Grades** | **Kroll Rating Agency Loan Grades** | **Kroll Rating Agency Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 2 | 0 | 2 |
| B | 0 | 518 | 0 | 518 |
| C | 0 | 4 | 0 | 4 |
| D | 0 | 3 | 0 | 3 |
| **Total** | **0** | **527** | **0** | **527** |

---

![](ex99-01.jpg)

**Loan Level Exception - Disposition**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Alternate Loan ID** | **Borrower Name** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 2** |
| XXXX |  |  | 3158536802 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX |  |  | 3158536807 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (2025-06-06): Initial Application observed in D2108. Please Review.<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains. Document noted in appeal is the broker initial loan application. This exception is for the lender initial 1003. There is no alt source for application date in file. |  |  |  | - B |
| XXXX |  |  | 3158536839 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158536844 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] State Compliance - (State High Cost Disclosure) Illinois High Risk Home Loan (Consumer Caution Notice Not Provided): Illinois High Risk Home Loan: Borrower not provided with Consumer Caution Notice.<br> [3] State Compliance - (State High Cost Provision) Illinois High Risk Home Loan (Ability to Repay not Verified): Illinois High Risk Loan: Borrower's ability to repay not verified with reliable documentation.<br> [3] State Compliance - (State High Cost Disclosure) Illinois High Risk Home Loan (Mortgage Awareness Program ("MAP") Not Provided): Illinois High Risk Home Loan: Borrower not notified of right to participate in Mortgage Awareness Program ("MAP").<br> [3] State Compliance - (State High Cost) Illinois High Risk Home Loan (Points and Fees): Illinois High Risk Home Loan Act: Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of X.XX% of the Total Loan Amount and $XXX (XXX). Points and Fees total $XXX on a Total Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (XXX) (an overage of $XX or .XXX%). Non-Compliant High Cost Loan.<br> [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | State Compliance - (State High Cost Disclosure) Illinois High Risk Home Loan (Consumer Caution Notice Not Provided): "Assignee Liability: Any person who purchases or otherwise is assigned or subsequently holds a high risk home loan will be subject to all affirmative claims and defenses with respect to the loan that the borrower could assert against the lender or broker of the loan which include: (a) the inability to enforce any loan provision which violates the Act; and (b) liability under the IL Consumer Fraud and Deceptive Business Practices Act (CFDBA). <br> Under the CFDBPA, violators may be subject to: (a) actual damages; (b) civil money penalties of $50,000 or more; (c) suspension or revocation of applicable licenses; (d) a private right of action; and (e) injunctive, declaratory and other equitable relief. "<br>State Compliance - (State High Cost Provision) Illinois High Risk Home Loan (Ability to Repay not Verified): """Assignee Liability: Any person who purchases or otherwise is assigned or subsequently holds a high risk home loan will be subject to all affirmative claims and defenses with respect to the loan that the borrower could assert against the lender or broker of the loan which include: (a) the inability to enforce any loan provision which violates the Act; and (b) liability under the IL Consumer Fraud and Deceptive Business Practices Act (CFDBA). <br> Under the CFDBPA, violators may be subject to: (a) actual damages; (b) civil money penalties of $50,000 or more; (c) suspension or revocation of applicable licenses; (d) a private right of action; and (e) injunctive, declaratory and other equitable relief. """<br>State Compliance - (State High Cost Disclosure) Illinois High Risk Home Loan (Mortgage Awareness Program ("MAP") Not Provided): "Assignee Liability: Any person who purchases or otherwise is assigned or subsequently holds a high risk home loan will be subject to all affirmative claims and defenses with respect to the loan that the borrower could assert against the lender or broker of the loan which include: (a) the inability to enforce any loan provision which violates the Act; and (b) liability under the IL Consumer Fraud and Deceptive Business Practices Act (CFDBA). <br> Under the CFDBPA, violators may be subject to: (a) actual damages; (b) civil money penalties of $50,000 or more; (c) suspension or revocation of applicable licenses; (d) a private right of action; and (e) injunctive, declaratory and other equitable relief. "<br>State Compliance - (State High Cost) Illinois High Risk Home Loan (Points and Fees): Purchasers or assignees of a high risk home loan will be subject to all affirmative claims and defenses At any point during the term of the loan, a violation can be used as a defense to collect or accelerate the debt, foreclose, or after the loan is in default 60 days. |  |  | HC - High Cost |
| XXXX |  |  | 3158536871 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Missouri Late Charge Grace Period Testing: Missouri Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.<br> [2] State Compliance - Missouri Prepayment Penalty: Missouri Prepayment Penalty: Maximum calculated prepay of $XXX exceeds the state maximum of 2% of the prepaid balance ($XXX). Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| XXXX |  |  | 3158536890 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| XXXX |  |  | 3158536891 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Investment | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Disparity in Occupancy - Not High Cost and Not Higher Priced: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment).<br> [2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-03): XX/XX/XXXX appeal: Please see the Funding Worksheet (pg 2620 (Doc ID XXXX)) of XXXX Loan File), Loan Summary (pg 58 (Doc ID XXXX)), and Closing Instructions (pg 260 (Doc ID XXXX)), which all list the funding date as XX/XX/XXXX XX<br> REVIEWER - GENERAL COMMENT (2025-06-05): Exception remains. When reviewing documentation for the disbursement date, SitusAMC looks for documents evidencing the actual date that the loan disbursed vs. a projected disbursement date from the closing instructions or other documents. If we are unable to determine whether documentation represents an actual disbursement date, the document would not be considered for this purpose. • For the subject loan, the documentation provided is missing a signed/printed date to verify whether the disbursement date was a projected date in the future or whether disbursement had already occurred. The fact that the file is missing a disbursement date is not in and of itself a violation, the exception for missing disbursement date is merely an informational alert to indicate which date was used for compliance testing. The disbursement date is primarily used in APR calculations and rescission timing regulations. |  |  |  | - B |
| XXXX |  |  | 3158536920 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] State Compliance - Illinois Late Charge Percent Testing: Illinois Late Charge: Note late charge percent of XXX% exceeds the state maximum of 5%. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158536921 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158536944 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158536951 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $172.08. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158536970 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Georgia Home Loan (Late Charge): Georgia Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period of less than ten (10) days.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  | BUYER - GENERAL COMMENT (2025-06-04): XX/XX/XXXX appeal: Loan was bank originated (XXXX) and late charge is as agreed unless charge is unreasonable (Note shows greater of XXXC or XX). Licensed lender originated loans are 5% maximum with 10 grace period. XX<br> REVIEWER - GENERAL COMMENT (2025-06-09): Exception remains, While the late charge exception is related to Georgia home loans, which is a subset, but not the same as high-cost, the assignee liability for home loans is the same as high-cost. Assignee liability under the Georgia Fair Lending Act (§ 7-6A-6 of the Georgia Code) is as follows: Any person who purchases, is assigned or otherwise becomes a holder of a high cost home loan will be subject to all affirmative claims and defenses that the borrower could assert against the creditor of the high cost home loan, including the right of rescission, unless the purchaser or holder demonstrates, by a preponderance of the evidence, that the purchaser or holder exercised reasonable due diligence at the time of purchase of the home loans, or within a reasonable time thereafter, intended to prevent the purchaser or holder from purchasing or taking assignment of high cost home loans.<br> However, because the loan was not originated during the blackout period and is outside SOL which, for home loans, is 5 years from first scheduled payment, the exception is graded an EV2-B. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Georgia Home Loan (Late Charge): Assignee Liability: Any person who purchases, is assigned or otherwise becomes a holder of a high cost home loan will be subject to all affirmative claims and defenses that the borrower could assert against the creditor of the high cost home loan, including the right of rescission which applies regardless of whether the safe harbor provision is met. In an action brought by a borrower against an assignee: (i) the borrower may only assert the action individually and any relief granted may not exceed the sum of the amount of all remaining indebtedness of the borrower and reasonable attorneys' fees in the individual action; (ii) the borrower may only assert a claim of a violation of the flipping and prohibited high cost home loan provisions in response to the holder's notice of acceleration or foreclosure notice; and (iii) the borrower must bring the action within one year from the date of the occurrence of the violation, except in defense by recoupment or setoff. <br>Note: Loans originated between XX/XX/XXXX nd XX/XX/XXXX re subject to the Original GAFLA. Rating Agencies will not rate GA loans originated during this time period.<br>Late Charge:<br> For loans subject to Original GAFLA (XX/XX/XXXX to XX/XX/XXXX), material violation.<br>For loans not subject to Original GAFLA (on or after XX/XX/XXXX late charge violations could be downgraded to an EV2 depending on statute of limitations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158536973 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Oregon Late Charge Grace Period Testing: Oregon Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.<br> [2] State Compliance - Oregon Late Charge Percent Testing: Oregon Late Charge: Note late charge percent of XXX% exceeds the state maximum of 5%.<br> [2] State Compliance - Oregon Prepayment Penalty Max Prepay: Oregon Prepayment Penalty: Loan agreement or Note does not clearly state the maximum prepayment penalty applicable to each year of the loan.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158536974 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158536998 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Ohio Standard Prepayment Penalty SMLA: Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants) Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| XXXX |  |  | 3158537006 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act - Financed Points and Fees Exceeds 5% Threshold: Minnesota Residential Originator and Servicer Licensing Act: Financed Fees on subject loan in excess of 5% of Total Loan Amount.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (2025-06-03): 6.3.25 Appeal attached disbursement date wired funds XX/XX/XXXX Note 12.3.2003 kindly review rescind<br> REVIEWER - GENERAL COMMENT (2025-06-05): Exception remains. When reviewing documentation for the disbursement date, SitusAMC looks for documents evidencing the actual date that the loan disbursed vs. a projected disbursement date from the closing instructions or other documents. If we are unable to determine whether documentation represents an actual disbursement date, the document would not be considered for this purpose. The fact that the file is missing a disbursement date is not in and of itself a violation, the exception for missing disbursement date is merely an informational alert to indicate which date was used for compliance testing. The disbursement date is primarily used in APR calculations and rescission timing regulations. | State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act - Financed Points and Fees Exceeds 5% Threshold: Assignee liability is unclear. Purchasers and assignees of Minnesota mortgage loans would not appear to be liable for violations of the Act. However, effective XX/XX/XXXX although there does not appear to be any explicit assignee liability, because a new private right of action permits a court to award statutory damages equal to the amount of all lender fees included in the amount of the principal of the residential mortgage loan, there is the potential that secondary market participants may be adversely affected. |  |  | - B |
| XXXX |  |  | 3158537020 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158537027 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Prepayment Penalty: New York Prepayment Penalty: Max prepay term allowed on an adjustable rate loan greater than $250,000 is 12 months. Loan contracts for prepay term of XX months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158537037 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Notice of special flood is provided on Note date. | BUYER - GENERAL COMMENT (2025-06-02): Appeal, found Initial 1003. please refer to XXXX<br> REVIEWER - GENERAL COMMENT (2025-06-04): Exception remains. Document noted in appeal is the broker initial loan application. This exception is for the lender initial 1003. There is no alt source for application date in file. | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Liability for violations cannot be transferred to a subsequent purchaser of a loan. |  |  | - B |
| XXXX |  |  | 3158537054 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  | BUYER - GENERAL COMMENT (2025-06-03): XX/XX/XXXX . Appeal sent. Per Doc ID XXXXX Dislcosure letter sent to the customer on XX/XX/XXXX confirming one of the enclosed is the ARM disclosure. YSP<br> BUYER - GENERAL COMMENT (2025-06-03): Doc ID XXXXX 1003 also signed on XX/XX/XXXX .<br> REVIEWER - GENERAL COMMENT (2025-06-05): Exception remains, missing initial lenders application to determine.<br> BUYER - GENERAL COMMENT (2025-06-03): Per document please refer to Doc ID XXXXX, initial 1003 signed and dated XX/XX/XXXX . On the other hand per Doc ID XXXXX CHARM doc sent and signed by customer on XX/XX/XXXX with<br> REVIEWER - GENERAL COMMENT (2025-06-05): Exception remains, CHARM booklet missing from loan file.<br> BUYER - GENERAL COMMENT (2025-06-11): XX/XX/XXXX . Appeal. Please see Doc ID XXXXX showing funding date XX/XX/XXXX .<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Document is unsigned.<br> BUYER - GENERAL COMMENT (2025-06-02): Found initial 1003 in EIV signed XX/XX/XXXX <br> BUYER - GENERAL COMMENT (2025-06-02): found 1003 signed XX/XX/XXXX <br> BUYER - GENERAL COMMENT (2025-06-03): Please disregard appeal as initial 1003 found is for the broker initial 1003. Thank you.<br> REVIEWER - GENERAL COMMENT (2025-06-04): Exception remains, no action<br> BUYER - GENERAL COMMENT (2025-06-03): XX/XX/XXXX . Appeal sent. Loan closed on XX/XX/XXXX . Per Doc ID XXXXX initial 1003 signed XX/XX/XXXX . Per Doc ID XXXXX disclosure letter was sent on XX/XX/XXXX showing the ABA Disclosure letter was enclosed.<br> REVIEWER - GENERAL COMMENT (2025-06-05): Exception remains, missing initial lenders application to determine. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158537067 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| XXXX |  |  | 3158537071 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-10): 6.10.25 Appeal attached disbursement date XX/XX/XXXX per HUD as interest started and 1st pmt was XX/XX/XXXX ,loan was a wholesale brokered loan table funded by XXXX kindly review rescind.XX.<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Proration date not equal to disbursement date. |  |  |  | - B |
| XXXX |  |  | 3158537079 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing | BUYER - GENERAL COMMENT (2025-06-04): 6.4.25 Appeal please see attached broker loan disclosure XX/XX/XXXX , ABA, ARM loan disclosures, consumer handbook, GFE, loan app addendum, kindly review rescind.<br> REVIEWER - GENERAL COMMENT (2025-06-06): Exception remains, missing ARM disclosure dated within 3 days of initial lenders application from loan file.<br> BUYER - GENERAL COMMENT (2025-06-04): 6.4.25 Appeal please see attached broker loan disclosure XX/XX/XXXX , ABA, ARM loan disclosures, consumer handbook, GFE, loan app addendum, kindly review rescind.<br> REVIEWER - GENERAL COMMENT (2025-06-06): Exception remains, Missing affiliated business disclosure dated within 3 days of lenders application from loan file. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158537086 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537091 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (2025-06-04): XX/XX/XXXX appeal: Please see the Funding Worksheet (pg 1287 (Doc ID XXXX) of XXXX Loan File) listing the funding date as XX/XX/XXXX XX<br> REVIEWER - GENERAL COMMENT (2025-06-05): Exception remains. When reviewing documentation for the disbursement date, SitusAMC looks for documents evidencing the actual date that the loan disbursed vs. a projected disbursement date from the closing instructions or other documents. If we are unable to determine whether documentation represents an actual disbursement date, the document would not be considered for this purpose. • For the subject loan, the documentation provided is missing a signed/printed date to verify whether the disbursement date was a projected date in the future or whether disbursement had already occurred. • For the subject loan, the documentation provided is missing evidence of whether the 'funding date' was the actual lender's disbursement date or if it was the investor funding date<br> BUYER - GENERAL COMMENT (2025-06-04): XX/XX/XXXX appeal: Please see the initial 1003 on page 69 (Doc ID XXXX) of the XXXX Loan File showing the date as XX/XX/XXXX XX<br> REVIEWER - GENERAL COMMENT (2025-06-05): Exception remains. Document noted in appeal is the broker initial loan application. This exception is for the lender initial 1003. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158537112 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158537113 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158537124 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537140 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1 Alternate Document Used for Fees (Primary): Missing Final HUD-1: Estimated HUD1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-04): XX/XX/XXXX Appeal – Please find the final HUD-1 attached. XX<br> BUYER - GENERAL COMMENT (2025-06-04): XX/XX/XXXX lease disregard appeal as it was added in error. XX<br> REVIEWER - GENERAL COMMENT (2025-06-06): No action<br> BUYER - GENERAL COMMENT (2025-05-30): XX/XX/XXXX appeal: Please find the initial 1003 attached. XX<br> REVIEWER - GENERAL COMMENT (2025-06-04): Exception remains. Document noted in appeal is the broker initial loan application. This exception is for the lender initial 1003. There is no alt source for application date in file. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | TR Indeterminable D |
| XXXX |  |  | 3158537144 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-04): XX/XX/XXXX - Document showing the disbursement date of XX/XX/XXXX found in XXXX/EIV , please see page XXXX - XXX<br> REVIEWER - GENERAL COMMENT (2025-06-06): Exception remains, When reviewing documentation for the disbursement date, SitusAMC looks for documents evidencing the actual date that the loan disbursed vs. a projected disbursement date from the closing instructions or other documents. If we are unable to determine whether documentation represents an actual disbursement date, the document would not be considered for this purpose.<br> BUYER - GENERAL COMMENT (2025-06-04): XX/XX/XXXX - Document showing application date of XX/XX/XXXX found in XXXX /XXX, please see page XXXX. Initial signed 1003 not available- XXX<br> REVIEWER - GENERAL COMMENT (2025-06-06): Exception remains. Document noted in appeal is the broker initial loan application. This exception is for the lender initial 1003. There is no alt source for application date in file. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537184 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158537199 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $235.02. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of<br> Amount Financed. | BUYER - GENERAL COMMENT (2025-06-07): 06-07-2025 Appeal. Please find attached documents supporting the use of the lender's application date as XX/XX/XXXX and the Lender disclosure letter supporting the CHARM Booklet being sent on the same day. XX<br> REVIEWER - GENERAL COMMENT (2025-06-11): Exception remains. Per process for alt source for application date, document must state "Application Date" and have lender name to be used.<br> BUYER - GENERAL COMMENT (2025-06-24): Please review Application showing XX/XX/XXXX Supports CHARM sent the same day.<br> REVIEWER - RE-OPEN COMMENT (2025-06-24): Cleared in error. XXXXX is not the Initial 1003 for the Lender which is missing.<br> BUYER - GENERAL COMMENT (2025-06-07): 06-07-2025 Appeal. Please find attached documents supporting the use of the lender's application date as XX/XX/XXXX and the Lender disclosure letter supporting the CHARM Booklet being sent on the same day. XX<br> REVIEWER - GENERAL COMMENT (2025-06-11): Exception remains. Per process for alt source for application date, document must state "Application Date" and have lender name to be used.<br> BUYER - GENERAL COMMENT (2025-06-24): Please review Application date showing XX/XX/XXXX Charm document sent the same day.<br> REVIEWER - GENERAL COMMENT (2025-06-25): Exception remains, missing initial lenders application date.<br> BUYER - GENERAL COMMENT (2025-06-07): XX/XX/XXXX Appeal. AMC is using application date of XX/XX/XXXX which is the earliest date on the broker 1003. The loan was brokered from XXXXX. The XXXX approval document shows the loan was submitted to XXXXXX on XX/XX/XXXX and is in effect the application date to the lender. Please note the lenders initial disclosure package was sent on this same date. Also the broker's submission was entered XX/XX/XXXX. The lenders application date should be accepted as XX/XX/XXXX . Please see attached Approval, Disclosure Letter, and Broker Submission documents. XX<br> REVIEWER - GENERAL COMMENT (2025-06-11): Exception remains. Per process for alt source for application date, document must state ""Application Date"" and have lender name to be used."<br> BUYER - GENERAL COMMENT (2025-06-24): Please review document XXXXX. URLA dated XX/XX/XXXX REVIEWER - RE-OPEN COMMENT (2025-06-24): Cleared in error. XXXXX is not the Initial 1003 for the Lender which is missing. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158537203 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1 Alternate Document Used for Fees (Primary): Missing Final HUD-1: Estimated HUD1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  | Yes | TR Indeterminable D |
| XXXX |  |  | 3158537216 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-02): 06-02-2025 Appeal. Subject transaction is a refinance of a primary residence in the state of GA, the closing date of the Note is XX/XX/XXXX. The HUD1 shows the Settlement date is XX/XX/XXXX and HUD1 shows interim interest of $22.33 for XX/XX/XXXX. The mortgage is also dated XX/XX/XXXX and is notarized. All available dates support proper funding date or allow extra rescission time. The state of GA generally did not require the notary's signature to be dated. There is no reason for citing this exception. XX<br> REVIEWER - GENERAL COMMENT (2025-06-03): Exception remains. The exception is not a violation but rather an informational finding since we generally source the disbursement date from the HUD/settlement statement. If not noted on the HUD/final settlement statement, we cite an EV2 informational finding to give visibility to the document used to source the disbursement date for compliance testing |  |  |  | - B |
| XXXX |  |  | 3158537217 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158537238 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |  | BUYER - GENERAL COMMENT (2025-06-10): Appeal: Per XXXX the conditional approval did not stipulate a requirement for the original note/terms to be provided. Final commitment CLTV XXX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains. Terms of superior lien not provided. |  |  |  | 2 | [2] Title / Lien Defect - (Doc Error) Loan was portrayed as first lien but found to be a second lien<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  | BUYER - GENERAL COMMENT (2025-06-06): 06-06-2025 Appeal. Subject was originated as a 2nd Lien, but that 1st lien was subsequently paid off in XXXX which leaves the subject in 1st lien position currently. XX<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains, Loan at origination was a 2nd lien and first lien paid off post origination.<br> BUYER - GENERAL COMMENT (2025-06-06): 06-06-2025 Appeal. Please see attached Final Closing stmt/HUD1 with a funding date of XX/XX/XXXX. XX<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains, Loan disbursement date XX/XX and RTC expiration date is XX/XX. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158537250 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  | BUYER - GENERAL COMMENT (2025-06-11): XX/XX/XXXX Appeal: Please refer to the attached document, which was generated by our system at the time of the transaction. XX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains. Application date not established. | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158537282 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  | BUYER - GENERAL COMMENT (2025-06-02): 6.2.2005 Appeal attached initial 1003 and disclosures signed, dated XX/XX/XXXX kindly review rescind.<br> REVIEWER - GENERAL COMMENT (2025-06-04): Exception remains. Document noted in appeal is the broker initial loan application. This exception is for the lender initial 1003. There is no alt source for application date in file. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| XXXX |  |  | 3158537290 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158537328 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158537339 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  | BUYER - GENERAL COMMENT (2025-06-05): Appeal: The variance in payment is due to the removal of MI which is a benefit to the borrower and would not create the requirement to send a revised GFE.<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains, As it pertains to a change in the loan amount or payments, the rule (12 CFR 1024.7) states that a revised GFE should be provided but does not mandate that it must be. We would advise to reach out to the client to confirm they are comfortable with the exceptions being cleared based on the "should" considerations. | Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537362 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $685.00.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158537386 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $280.00. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose Flood Certification Fee $25, Email fee $50, Service fee $20, Courier fee $120 and Wire fee $85 as prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158537394 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158537397 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537411 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing |  |  |  |  | - B |
| XXXX |  |  | 3158537429 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | UTD UTD |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158537451 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-05-30): XX/XX/XXXX appeal: Please find the property type for this property attached. XX<br> REVIEWER - GENERAL COMMENT (2025-06-02): Unable to determine specific property type at origination.<br> BUYER - GENERAL COMMENT (2025-06-09): 6-9-25 - Appeal: Please find the property type for this property attached. XX<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Unable to determine specific property type at origination. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537452 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537453 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158537463 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537478 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-05-30): 05-30-2025 Appeal. Please find Title Vesting report attached. A full title insurance policy was not required at the time. XX<br> REVIEWER - GENERAL COMMENT (2025-06-04): Exception remains, Final title policy required for 1st lien mortgage.<br> BUYER - GENERAL COMMENT (2025-07-10): Appeal: Legal & Vesting Report/title search provided, escalate to XXXX |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537479 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537507 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  | BUYER - GENERAL COMMENT (2025-06-18): 06-18-2025 Appeal. Please find title work attached. Subject is XXXX HELOC 2nd Lien. Full titile work is not required. XX<br> REVIEWER - GENERAL COMMENT (2025-06-19): No new docs have been uploaded. Exception remains. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158537520 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537527 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537541 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-03): 6.3.25 Appeal please see internal document no title insurance on HELOC etc per HUD no title policy issued., kindly review rescind.XX.<br> REVIEWER - GENERAL COMMENT (2025-06-04): Exception remains, 1st mortgage title policy is required. |  |  |  | 2 | [2] State Compliance - Illinois Late Charge Percent Testing: Illinois Late Charge: Note late charge percent of XXX% exceeds the state maximum of 5%.<br> [2] State Compliance - Illinois Prepayment Penalty 2008 Test: Illinois Prepayment Penalty (Residential Mortgage License Act): Loan contains prepayment penalty and borrower was not provided a loan without a prepayment penalty.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Compliance Determined Application Date: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX . The source for this date is Initial TIL Cover Letter.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537545 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  | BUYER - GENERAL COMMENT (2025-06-18): Loan is a HELOC - title not required<br> REVIEWER - GENERAL COMMENT (2025-06-19): This HELOC is a 1st position lien - Title required. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  | BUYER - GENERAL COMMENT (2025-06-16): Appeal, please see (D0677) dated XX/XX/XXXX and (2242) XX/XX/XXXX . --XX<br> REVIEWER - GENERAL COMMENT (2025-06-17): Referenced document expiration date is dated XX/XX/XXXX ot XX/XX/XXXX BUYER - GENERAL COMMENT (2025-07-07): please see attached Disbursement date, it was XX/XX/XXXX RTC was signed on XX/XX/XXXX nd midnight expiration on XX/XX/XXXX XX/XX/XXXX ill fall on Sunday. --XX | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158537573 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: Unable to determine FACTA Credit Score Disclosure was provided due to missing information.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537575 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  | - B |
| XXXX |  |  | 3158537580 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  | BUYER - GENERAL COMMENT (2025-06-12): title not required as loan is a HELOC<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Document required. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537596 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158537611 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-05-29): Appeal. Document found. Please refer to Doc ID #D0430 XXXX<br> BUYER - GENERAL COMMENT (2025-05-29): Appeal. Found ARM disclosure. Please refer to #D0429 XXXX<br> REVIEWER - GENERAL COMMENT (2025-05-30): Exception remains, missing ARM disclosure from loan file. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537645 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-05-30): XX/XX/XXXX appeal - Flood Cert is attached. - XX<br> REVIEWER - GENERAL COMMENT (2025-06-04): Exception remains, Flood determination received is post origination. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158537656 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537661 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $274.27. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Itemization reflects Prepaid Finance Charges $0.00. | BUYER - GENERAL COMMENT (2025-06-03): Appeal: Please see XXXXXXBoarding Data showing that no loan charges were financed or paid in cash by the borrower.<br> REVIEWER - GENERAL COMMENT (2025-06-05): Exception remains, Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the flood fee, origination fee, or settlement/closing fee. | State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158537667 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-04): 6.4.25 Appeal. The subject loan was a HELOC refinance in March 2007 and attached is Title Search. The HUD-I shows $22.00 was collected for a Title Search not a Title Policy. As a result only a title search was requested. Please review and rescind. XX<br> REVIEWER - GENERAL COMMENT (2025-06-04): Exception remains, 1st lien mortgage transaction<br> BUYER - GENERAL COMMENT (2025-07-10): Appeal: Legal & Vesting Report/title search provide, please escalate. XX |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-04): 6.4.25 Appeal. The subject loan is a HELOC which did not require a GFE. Please review and rescind. XX<br> REVIEWER - GENERAL COMMENT (2025-06-04): Exception remains, loan is a 1st lien mortgage transaction.<br> BUYER - GENERAL COMMENT (2025-06-21): 06-21-2025 Appeal2. Subject HELOC was originated as a second lien. Moving from 2nd lien to 1st lien post closing should not affect the evaluation of GFE and how it relates to RESPA. Please see XXXXX for Notice of Insurance Requirements bottom line Lien Position stating "This loan is in Second Lien position". XX<br> REVIEWER - GENERAL COMMENT (2025-06-23): Promissory Note is not a line of credit. Tape data and post closing property report indicate this was a 1st lien position in XXXX.<br> BUYER - GENERAL COMMENT (2025-06-04): 6.4.25 Appeal. Upon reviewing the loan file it is a refinance of a HELOC having closed on XX/XX/XXXX. Please see attached highlighted section of the Boarding Data Sheet from origination showing the property type. Please review and rescind. XX<br> REVIEWER - GENERAL COMMENT (2025-06-06): Exception remains, unable to determine specific property type at origination. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537669 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Affidavit of Borrower(s) and Mortgagor(s) # 2 Borrower has received the notices and information Borrower is entitled to receive under the law, including, without limitation, the Truth-in-Lending Act, the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required.<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX .<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  | BUYER - GENERAL COMMENT (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Affidavit of Borrower(s) and Mortgagor(s) # 2 Borrower has received the notices and information Borrower is entitled to receive under the law, including, without limitation, the Truth-in-Lending Act, the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. GFE not required.<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action<br> BUYER - GENERAL COMMENT (2025-06-05): Appeal - See HUD, Lender XXXXX, payoff to XXXXX. See payoff that is RE: The subject property address with statement that a Substitution of Trustee and/or Reconveyance will be furnished when the instructions are completed we are paid in full, this action by XXXXX concludes that they had a lien on the subject property at origination, the ROR form H-8 is accurate.<br> BUYER - GENERAL COMMENT (2025-06-06): XX/XX/XXXX Appeal: 9th Circuit. The correct H8 form was used due the loan not being a same lender refinance. (Per the lien search on the title in the file) In title at the time of this transaction XXXXX and Lender on the transaction XXXXX. It should be reduced to EV1. /XX<br> REVIEWER - GENERAL COMMENT (2025-06-06): Exception remains, title commitment referenced is not for subject transaction.<br> BUYER - GENERAL COMMENT (2025-06-05): Appeal - Rescission uses the Federal/specific business day definition "all calendar days except Sundays and legal public holidays" (not the general business day definition).<br> REVIEWER - GENERAL COMMENT (2025-06-06): Exception remains, RTC eligible disbursement date should be XX/XX/XXXX .<br> BUYER - GENERAL COMMENT (2025-06-05): Appeal - Rescission uses the Federal/specific business day definition "all calendar days except Sundays and legal public holidays" (not the general business day definition).<br> REVIEWER - GENERAL COMMENT (2025-06-06): Exception remains, RTC eligible disbursement date should be XX/XX/XXXX . | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158537688 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-10): Appeal. Please see XXXX internal screenshot showing disbursement or funding date. XX/XX/XXXX - kindly review. XXX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Disbursement date not provided. | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| XXXX |  |  | 3158537710 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  | BUYER - GENERAL COMMENT (2025-06-10): Appeal. Kindly see XXXX internal screenshot showing disbursement or funding date XX/XX/XXXX XXX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Disbursement date not provided | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| XXXX |  |  | 3158537758 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158537763 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158537796 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537797 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  | BUYER - GENERAL COMMENT (2025-06-04): Appeal: NMLS identifier requirement did not apply to HELOC's at the time of origination<br> REVIEWER - GENERAL COMMENT (2025-06-09): Exception remains, exception not being cited under TILA, but under the SAFE Act, which requires a unique identifier to be provided in any initial written communication (paper or electronic) from the MLO to the consumer (such as a commitment letter, good faith estimate, or disclosure statement). | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. |  |  | - B |
| XXXX |  |  | 3158537806 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  | BUYER - GENERAL COMMENT (2025-06-02): 6.2.25 Appeal please see attached Original title dated XX/XX/XXXX as evidence of title in file. kindly review rescind.XX.,<br> BUYER - GENERAL COMMENT (2025-06-02): this will not clear for final title but will clear evidence of title in file at origination.gs.<br> REVIEWER - GENERAL COMMENT (2025-06-04): Exception remains, final title needed for 1st lien transaction<br> BUYER - GENERAL COMMENT (2025-07-10): Appeal: Legal & Vesting Report/title search provided, please escalate. XX |  |  |  | 2 | [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537808 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Mortgagor's Statement # 2 Borrower has received the notices and information Borrower is entitled to receive under the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-03): Appeal - A Good Faith Estimate (GFE) is not required for Home Equity Lines of Credit (HELOCs). HELOCs were exempt from the requirements of RESPA (Real Estate Settlement Procedures Act) and thus do not require a GFE. Instead, HELOCs are subject to Regulation Z (Truth in Lending).<br> REVIEWER - GENERAL COMMENT (2025-06-03): Exception remains, subject transaction is a 1st mortgage loan and not a HELOC.<br> BUYER - GENERAL COMMENT (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Mortgagor's Statement # 2 Borrower has received the notices and information Borrower is entitled to receive under the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. GFE not required<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158537809 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $121.77. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158537812 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158537819 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $199.35. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158537829 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] State Compliance - Michigan Late Charge Percent and Amount Testing: Michigan Late Charge: Note late charge of $XX exceeds state maximum of 5% or $15, whichever is greater.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158537834 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing | BUYER - GENERAL COMMENT (2025-05-29): XX/XX/XXXX - Document found in XXXX, Page 26 of 204, DXXXXX, showing the property type as Single family residence-XXX<br> REVIEWER - GENERAL COMMENT (2025-05-30): Exception remains, Unable to determine specific property type at origination. (Single family detached vs single family attached vs PUD) |  |  |  | - B |
| XXXX |  |  | 3158537841 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158537857 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] State Compliance - Illinois Late Charge Percent Testing: Illinois Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 5%.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158537865 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| XXXX |  |  | 3158537870 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158537882 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158537891 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX - Appeal. Final 1003 not applicable on HELOCs.-XXX<br> REVIEWER - GENERAL COMMENT (2025-06-16): Promissory Note is not a line of credit. Exception remains. Missing Final Loan Application from Origination. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158537932 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | UTD UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158537956 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX - Appeal. Final 1003 not applicable on HELOCs.-XXX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, subject loan is not a HELOC. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $544.80.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Amount Financed Itemization file reflects $0.00 Prepaid Finance Charges. | BUYER - GENERAL COMMENT (2025-06-11): XX/XX/XXXX - Appeal. Loan is a No Closing Cost loan. No closing costs were charged to the borrower and therefore are not included in the finance charges.-XXX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Final HUD reflects closing cost. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158537989 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $3,247.74. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of X.XX% , however the index value in the lookback period is X.XX%. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158537997 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $235.83. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158538001 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158538013 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-12): 6.12.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required.<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, subject loan is not a HELOC. |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538018 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - TILA HELOC - Credit Agreement Missing: Unable to test HELOC Agreement due to missing information.<br> [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Unable to test billing rights due to missing information.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  | BUYER - GENERAL COMMENT (2025-06-12): XX/XX/XXXX - Please refer to Loan Exception ID 33508140 - XXX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Missing signature date.<br> BUYER - GENERAL COMMENT (2025-07-02): Appeal – Signature date not required per form design. See Closing Checklist Page 861 dated XX/XX/XXXX , DXXX ROR signed and dated XX/XX/XXXX .<br> REVIEWER - GENERAL COMMENT (2025-07-03): Exception remains, Missing signature date.<br> BUYER - GENERAL COMMENT (2025-06-12): XX/XX/XXXX - Please see page 349, DXXXX. The Billing Rights disclosure is part of the XXXX and Disclosure (page 8 of 9). The document is signed on page 9. - XXX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Missing signature date.<br> BUYER - GENERAL COMMENT (2025-07-02): Appeal – Signature date not required per form design. See Closing Checklist Page 861 dated XX/XX/XXXX , DXXX ROR signed and dated XX/XX/XXXX .<br> REVIEWER - GENERAL COMMENT (2025-07-03): Exception remains, Missing signature date. | Federal Compliance - TILA HELOC - Credit Agreement Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158538025 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $441.66 is underdisclosed from HUD Finance Charge of $854.16 in the amount of $412.50.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (2025-07-01): Appeal: Attached please find the XXXX stamped receipt of initial 1003 dated XX/XX/XXXX . XXXX is asking if this would be acceptable alternative documentation to establish date of initial application for lender. Thank you,<br> BUYER - GENERAL COMMENT (2025-07-01): stamped receipt<br> REVIEWER - GENERAL COMMENT (2025-07-03): Per process for alt source for application date, document must state "Application Date" and have lender name to be used. |  |  |  | - B |
| XXXX |  |  | 3158538050 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Illinois Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] State Compliance - Illinois Prepayment Penalty: Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538073 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158538078 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | REVIEWER - GENERAL COMMENT (2025-06-06): Exception remains, Document provided does not state flood zone.<br> BUYER - GENERAL COMMENT (2025-06-04): 6.4.25 Appeal. Upon reviewing the loan file it is a refinance of a HELOC having closed on XX/XX/XXXX. Please see attached highlighted sections of the Boarding Data Sheet and Borrower Disbursement Authorization from origination showing the property type. Please review and rescind. XX<br> REVIEWER - GENERAL COMMENT (2025-06-06): Exception remains, document provided does not specific the specific property type at origination. |  |  |  | - B |
| XXXX |  |  | 3158538083 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-05-29): XX/XX/XXXX Appeal. Please see attached Disbursement Request and Authorization form and XXXX XXX Servicing screen which includes a statement on Flood Insurance including the flood map and date and that the subject is NOT in a flood zone. The servicing screen shows the Zone is X and that the mapping has not changed since XXXX. XX<br> BUYER - GENERAL COMMENT (2025-05-29): Please disregard prior appeal. XX<br> REVIEWER - GENERAL COMMENT (2025-06-02): No action |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538115 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided |  | BUYER - GENERAL COMMENT (2025-05-29): Document found. Please refer to Doc ID #XXXXX. XX<br> REVIEWER - GENERAL COMMENT (2025-05-30): Exception remains, Document referenced is post origination. |  |  |  | 2 | [2] State Compliance - Illinois Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] State Compliance - Illinois Prepayment Penalty: Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538118 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538122 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538125 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538131 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $218.39. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Amount Financed Itemization does not include Settlement/Closing fee XX/XX/XXXX 20.00 as a prepaid finance charge. | BUYER - GENERAL COMMENT (2025-06-02): Appeal: Closing fee was not paid by the borrower and therefore excluded from the ppfc's.<br> REVIEWER - GENERAL COMMENT (2025-06-02): Exception remains. Closing fee POC does not list Payor.<br> BUYER - GENERAL COMMENT (2025-06-03): Appeal: Please see XXXXX Boarding Data showing the borrower paid charges were all financed and no charges were paid by the borrower in cash.<br> REVIEWER - GENERAL COMMENT (2025-06-03): The Settlement fee XX/XX/XXXX 20.00 is not included in the Financed Items. Exception remains.<br> REVIEWER - GENERAL COMMENT (2025-06-03): Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the flood fee, origination fee, or settlement/closing fee. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158538171 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $112.73. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158538193 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-05): 06-05-2025 Appeal. Please note, this is a XXXXX On the House HELOC Agreement and Disclosure. Disclosure terms are incorporated into the Note. XX<br> REVIEWER - GENERAL COMMENT (2025-06-09): Exception remains, disclosure to be provided at time of application. | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158538195 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538218 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538228 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158538261 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $270.48. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158538302 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  | BUYER - GENERAL COMMENT (2025-06-18): loan was a HELOC - title not required<br> REVIEWER - GENERAL COMMENT (2025-06-19): This HELOC is a 1st position lien - Title required. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  | BUYER - GENERAL COMMENT (2025-06-10): XX/XX/XXXX . Appeal. Notice of Right to Cancel located in XXXXX signed XX/XX/XXXX , RTC midnight of XX/XX/XXXX (since XX/XX/XXXX is a holiday). YSP<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains. Loan disbursed XX/XX/XXXX per HELOC. Equal to RTC expiration date. | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158538312 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-02): Appeal: Attached please find the subject original page 1 of appraisal with flood zone information completed, which reflects subject property is not in a flood zone.<br> BUYER - GENERAL COMMENT (2025-06-02): Appraisal<br> REVIEWER - GENERAL COMMENT (2025-06-04): Exception remains, no flood zone provided.<br> BUYER - GENERAL COMMENT (2025-07-01): Appeal: Please advise if there has been a change of opinion on using origination appraisal to document flood zone on these older loans. I believe we have used the 1st page of appraisal showing flood zone previously.<br> REVIEWER - GENERAL COMMENT (2025-07-02): The Flood Zone is not on the Appraisal. It is blank. |  |  |  | - B |
| XXXX |  |  | 3158538324 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538329 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538348 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538351 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Title / Lien Defect - (Doc Error) Loan was portrayed as first lien but found to be a second lien<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538352 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX - Appeal. Final 1003 not applicable on HELOCs.-XXX<br> REVIEWER - GENERAL COMMENT (2025-06-16): Promissory Note is not a line of credit. Exception remains. Missing Final Loan Application from Origination. |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158538364 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538381 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158538385 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  | BUYER - GENERAL COMMENT (2025-06-11): Please see attached disclosure statement which indicates the occupancy.<br> BUYER - GENERAL COMMENT (2025-06-11): Please see attached.<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Document provided is insufficient to determine occupancy. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158538391 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538394 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538399 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538419 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538421 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] State Compliance - Indiana Late Charge Amount Testing: Indiana Late Charge: Note late charge amount of $XX exceeds the state maximum of $16.50.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538427 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  | BUYER - GENERAL COMMENT (2025-06-18): loan was a HELOC - title not required<br> REVIEWER - GENERAL COMMENT (2025-06-19): This HELOC is a 1st position lien - Title required. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538438 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538439 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | UTD UTD |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538465 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX - Appeal. Final 1003 not applicable on HELOCs.-XXX<br> REVIEWER - GENERAL COMMENT (2025-06-16): Promissory Note is not a line of credit. Exception remains. Missing Final Loan Application from Origination. |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538466 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-03): Appeal. Please refer to DXXXXX for property type XXXX<br> REVIEWER - GENERAL COMMENT (2025-06-05): Exception remains, unable to determine specific property type at origination. (Condo Low Mid or High) | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158538477 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | - B |
| XXXX |  |  | 3158538485 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538501 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (2025-06-11): XX/XX/XXXX - Appeal: Closing costs on page 5 of the HELOC agreement match closing costs on the HUD1 with the exception of the $5.00 flood cert fee. The only variance between the documents are payoffs in the 1300s. Note: Unsecured payoffs, like personal loans or credit card debts, are typically not classified as closing costs under the RESPA. Closing costs are specifically related to expenses directly associated with the real estate transaction. However not an issue due to less than the $100 finance tolerance<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, State tax stamps on HUD was not disclosed on HELOC.<br> BUYER - GENERAL COMMENT (2025-07-02): Appeal – HELOC reflects XX Documentary Stamp Tax, this fee is the same fee as on HUD for State tax/stamps and Disbursement Instructions and Financed Itemization Disclosure and named XX Documentary Stamp Tax.<br> REVIEWER - GENERAL COMMENT (2025-07-03): Exception remains, XX Document stamp disclosed on HELOC as an amount lower than charged on HUD for state stamps.<br> BUYER - GENERAL COMMENT (2025-07-07): See HUD and Itemization lender paid the increase, the fee was disclosed for what the borrower would pay as per verbiage above fees. | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158538507 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-17): Appeal – Please see attached. Please refer to the Collateral Summary of the Boarding Data Sheet which reflected the map date, map #, flood section (not in flood area), and flood notice date of the flood cert at time of origination supporting not in flood zone. XX<br> REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2025-06-17): Document provided is not the flood certificate |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538514 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538542 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | UTD | UTD UTD |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538572 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Illinois Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] State Compliance - Illinois Prepayment Penalty: Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538583 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538600 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-06): title<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains, missing final title from loan file. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538604 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-12): 6.12.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required. XX.<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, subject loan is not a HELOC. |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| XXXX |  |  | 3158538617 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $232.14. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158538619 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538649 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538653 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Affidavit of Borrower(s) and Mortgagor(s) # 2 Borrower has received the notices and information Borrower is entitled to receive under the law, including, without limitation, the Truth-in-Lending Act, the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). The Loan is a Second Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required.<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX XXXX, Closed End – Correction - 2nd Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Ohio Late Charge Percent and Amount Testing: Ohio Late Charge: Note late charge of $XX exceeds state maximum of 5% or $15, whichever is greater.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-03): Appeal - A Good Faith Estimate (GFE) is not required for Home Equity Lines of Credit (HELOCs). HELOCs were exempt from the requirements of RESPA (Real Estate Settlement Procedures Act) and thus do not require a GFE. Instead, HELOCs are subject to Regulation Z (Truth in Lending).<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX XXXX, Closed End – 2nd Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538655 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158538660 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $30.00 is underdisclosed from HUD Finance Charge of $724.50 in the amount of $694.50.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (2025-06-11): Appeal - Loan is a No Fee HELOC. See Disbursement Instructions and Financed Itemization Disclosure, Total Itemization of the Amount Financed $XXX,XXX.XX, Page 1 section 4 Lender Paid fees and page 2 Lender Paid Fees and Charges, please remove from the LAS Report and retest.<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains. Fees described in documentation cited do not correspond to actual fees reflected on HUD.<br> BUYER - GENERAL COMMENT (2025-06-23): See section IV of the Note, Fees and Charges: Finance Charges and other fees and charges at closing. You agree to pay the following finance charges and other fees and charges, which will be charged to your credit line on the effective disbursement date unless paid to us on or before that date. With the borrower(s) being charges No fees Please provide what should have been listed on the HELOC agreement that is on the HUD.<br> REVIEWER - GENERAL COMMENT (2025-06-25): Exception remains, a settlement fee and tax service fee fee not disclose on HELOC agreement.<br> BUYER - GENERAL COMMENT (2025-06-27): The fees cited were not borrower paid fees. No fee HELOC.<br> REVIEWER - GENERAL COMMENT (2025-07-02): Exception remains, a settlement fee and tax service fee fee not disclose on HELOC agreement.<br> BUYER - GENERAL COMMENT (2025-06-11): Appeal – Loan is a No Fee HELOC. See Disbursement Instructions and Financed Itemization Disclosure, Total Itemization of the Amount Financed $XXX,XXX.XX, page 1 fees Lender Paid, See also page 2 also Lender Paid Fees and Charges. No fees or charges were borrower paid.<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exceptions remain. Fees pf documentation provided does not match fees on HUD.<br> BUYER - GENERAL COMMENT (2025-06-23): See section IV of the Note, Fees and Charges: Finance Charges and other fees and charges at closing. You agree to pay the following finance charges and other fees and charges, which will be charged to your credit line on the effective disbursement date unless paid to us on or before that date. With the borrower(s) being charges No fees Please provide what should have been listed on the HELOC agreement that is on the HUD.<br> REVIEWER - GENERAL COMMENT (2025-06-25): Exception remains, a settlement fee and tax service fee fee not disclose on HELOC agreement.<br> BUYER - GENERAL COMMENT (2025-06-27): The fees cited were not borrower paid fees. No fee HELOC.<br> REVIEWER - GENERAL COMMENT (2025-07-02): Exception remains, a settlement fee and tax service fee fee not disclose on HELOC agreement. |  |  |  | - B |
| XXXX |  |  | 3158538670 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158538674 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] State Compliance - Indiana Late Charge Amount Testing: Indiana Late Charge: Note late charge amount of $XX exceeds the state maximum of $16.50.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538678 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-07): 6.7.25 Appeal. Please see attached highlighted section of the Boarding Data Sheet from origination showing the property type. Please review and rescind. XX<br> REVIEWER - GENERAL COMMENT (2025-06-11): Exception remains, unable to determine specific property type at origination. |  |  |  | - B |
| XXXX |  |  | 3158538689 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538708 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538709 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX appeal. Final 1003 is not applicable for a HELOC - XX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, subject loan is not a HELOC. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538710 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (2025-06-10): XX/XX/XXXX Appeal: Please see XXXXXXX which shows the borrower began the application process on XX/XX/XXXX . The application was also accepted and auto referred on XX/XX/XXXX . All disclosures were provided to the borrower on XX/XX/XXXX . XX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains. Per process for alt source for application date, document must state "Application Date" and have lender name to be used. |  |  |  | - B |
| XXXX |  |  | 3158538713 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $216.02. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Amount Financed Itemization does not include $220.00 Settlement Fee. | BUYER - GENERAL COMMENT (2025-06-14): XX/XX/XXXX Appeal. Please see attached origination valuation reflecting subject property as single family - "S" as property type. XX<br> REVIEWER - GENERAL COMMENT (2025-06-17): Referenced XXXXXXX ot specify type of property, ie: SFR detached/attached/PUD, etc. Missing Appraisal from origination.<br> BUYER - GENERAL COMMENT (2025-06-14): XX/XX/XXXX Appeal. Re-calculated finance charge and yielded ppfc accurate result. There were only 2 finance charges on the TIL - $50 for origination and $8 Flood cert. XX<br> REVIEWER - GENERAL COMMENT (2025-06-17): Exception remains, POC settlement fee included in testing as no evidence of show paid the fee. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158538717 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-17): XX/XX/XXXX appeal – Please see attached. Please refer to the Collateral Summary of the Boarding Data Sheet which reflected the map date, map #, flood section (not in flood area), and flood notice date of the flood cert at time of origination supporting not in flood zone. XX<br> REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2025-06-17): Document provided is not the flood certificate |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538723 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance UTD |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - RTC Executed: TILA - Right To Cancel: Loan file contains evidence consumer rescinded loan.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX .<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Federal Compliance - RTC Executed: Borrower signed I Wish to Cancel on the RTC provided. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | Other Exceptions C |
| XXXX |  |  | 3158538730 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158538745 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538751 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $287.78.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. | BUYER - GENERAL COMMENT (2025-06-10): Appeal. Please see doc page 1318 and Doc ID XXXXX - funding date shows XX/XX/XXXX which is after rescission end date on XX/XX/XXXX . XXX<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains. The disbursement date should come from page one of the HUD. When page one is missing this information, we look for evidence of funding from the settlement agent. If none found, our system will use the "Interest From" date to be able to run compliance and will also generate a level 2 exception. Unable to determine Funding Worksheet from the settlement agent.<br> BUYER - GENERAL COMMENT (2025-06-10): Appeal. Property Type determined in Comment Summary doc. Please refer to Doc ID XXXXX XXXX<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br> BUYER - GENERAL COMMENT (2025-07-01): Appeal – See HUD D0604, Itemization XXXXX and GFE XXXXX all fees are verified to be lender paid. Verify LAS report findings.<br> REVIEWER - GENERAL COMMENT (2025-07-08): Exception remains. Under disclosure is in the total of payments. No fees are included in this amount. Final TIL reflects 240 payments at the same amount while the calculated payments are 239 at the amount on the Note with a final payment $287.78 more than the Note payment.<br> BUYER - GENERAL COMMENT (2025-06-10): Appeal. Please see doc page 1318 - funding date shows XX/XX/XXXX which is after rescission end date on XX/XX/XXXX . XXX<br> BUYER - GENERAL COMMENT (2025-06-10): Appeal. Please see doc page 1318 and Doc ID XXXXX - funding date shows XX/XX/XXXX which is after rescission end date on XX/XX/XXXX . XXX<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains. The disbursement date should come from page one of the HUD. When page one is missing this information, we look for evidence of funding from the settlement agent. If none found, our system will use the "Interest From" date to be able to run compliance and will also generate a level 2 exception. Unable to determine Funding Worksheet from the settlement agent. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158538752 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $50.00 is underdisclosed from HUD Finance Charge of $1,135.00 in the amount of $1,085.00.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] State Compliance - Illinois Prepayment Penalty: Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of XX.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-08): Appeal – See Credit Investigation Property Type SFR<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Unable to determine specific property type at origination. |  |  |  | - B |
| XXXX |  |  | 3158538794 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Ohio Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  | BUYER - GENERAL COMMENT (2025-06-03): Appeal: Attached please find the boarding data showing the loan closed as a primary residence. Additionally, based on the subject closing with rescissions, it was a primary residence transaction, as investment and second home rrefinances/extensions of credit do not require any rescission. Thank you<br> BUYER - GENERAL COMMENT (2025-06-03): Boarding data and rescissions<br> REVIEWER - GENERAL COMMENT (2025-06-05): Exception remains, missing enough information to determine occupancy. |  |  |  | - B |
| XXXX |  |  | 3158538807 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-07): 6.7.25 Appeal. Please see attached highlighted section of the Boarding Data Sheet from origination showing the property type. Please review and rescind. XX<br> REVIEWER - GENERAL COMMENT (2025-06-11): Exception remains, unable to determine specific property type at origination. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538823 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538827 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538829 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538846 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-09): 6-9-25 APPEAL; A new Regulation Z requirement promulgated by the CFPB (see forthcoming 12 CFR § 1026.36[g]) requires the name and NMLS number of the loan originator organization and the individual loan originator (with primary responsibility for the origination of the loan) to appear on the following documents, in connection with a closed-end credit transaction secured by a dwelling:<br> 1. The loan application;<br> 2. The promissory note or loan contract; and<br> 3. The security instrument.<br> It is expected that this requirement will also extend to the forthcoming Loan Estimate and Closing Disclosure as well. Excluded from this requirement are home equity lines of credit and loans secured by a consumer's interest in a timeshare plan (see forthcoming Ibid. § 1026.36[b]). This requirement takes effect on January 10, 2014. /XX<br> BUYER - GENERAL COMMENT (2025-06-09): Please disregard prior appeal.<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains. | Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees. |  |  | - B |
| XXXX |  |  | 3158538867 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing |  |  |  |  | - B |
| XXXX |  |  | 3158538870 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538890 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538895 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  | REVIEWER - GENERAL COMMENT (2025-06-06): Exception remains. Dates on GFE provided not legible for captured. |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $36.12. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Amount Financed Itemization does not include $35.00 Tax Cert | BUYER - GENERAL COMMENT (2025-06-04): GFE<br> REVIEWER - GENERAL COMMENT (2025-06-06): Exception remains. Date on GFE not legible for capture.<br> BUYER - GENERAL COMMENT (2025-06-04): Loan/Line closed prior to the XXXX TILA Amendment and all borrower paid fees to the broker can be excluded. (Ex. loan XXXXXXX).<br> REVIEWER - GENERAL COMMENT (2025-06-09): Exception remains. Loan closed XX/XX/XXXX .<br> BUYER - GENERAL COMMENT (2025-06-09): Appeal: Tax Cert fee of $35 was paid to the settlement agent and for the purposes of determining taxes due and payable in connection with the transaction. DXXXX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains. Tax Cert fee included in prepaid finance charges. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158538909 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-08): ROR - Disbursement<br> BUYER - GENERAL COMMENT (2025-06-08): Disclosure<br> REVIEWER - GENERAL COMMENT (2025-06-11): RTC is not for the subject lien, appears to be for a concurrent 2nd. | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158538924 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - (Missing Data) Number of Units: Number of Units for the Primary Valuation was not provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-07-08): XX/XX/XXXX Attached XXXXXX screen print shows number of units at origination - XX |  |  |  | Indeterminable C |
| XXXX |  |  | 3158538937 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | UTD | UTD UTD |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538940 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158538951 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158538962 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158539041 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539051 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158539056 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539079 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  | BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX - Appeal. Final 1003 not applicable on HELOCs.-XXX<br> REVIEWER - GENERAL COMMENT (2025-06-16): Promissory Note is not a line of credit. Exception remains. Missing Final Loan Application from Origination. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539101 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | UTD UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: RTC signature date is missing on the source document |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539117 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  | BUYER - GENERAL COMMENT (2025-07-10): XX/XX/XXXX appeal: Please see the New Loan Closing Cost/Settlement Agent Disbursement Worksheet (page 996 (Doc ID XXXX) of the XXXX Loan File), which lists the disbursement date as XX/XX/XXXX This is greater than 3 business days from the transaction date of XX/XX/XXXX XX | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158539118 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Affidavit of Borrower(s) and Mortgagor(s) # 2 Borrower has received the notices and information Borrower is entitled to receive under the law, including, without limitation, the Truth-in-Lending Act, the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required.<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $851.34. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. | BUYER - GENERAL COMMENT (2025-06-03): Appeal - A Good Faith Estimate (GFE) is not required for Home Equity Lines of Credit (HELOCs). HELOCs were exempt from the requirements of RESPA (Real Estate Settlement Procedures Act) and thus do not require a GFE. Instead, HELOCs are subject to Regulation Z (Truth in Lending).<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158539127 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-02): Appeal – See Note section above Current Rates for the First Payment Stream – Verbiage on the Agreement "Your Initial Periodic Rate and corresponding ANNUAL PERCENTAGE RATE will be based on the Index in effect on your closing date." This indicates that the rate was set at closing XX/XX/XXXX .<br> BUYER - GENERAL COMMENT (2025-06-02): Below comment added in error to this exception. Please disregard comment.<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action<br> BUYER - GENERAL COMMENT (2025-06-02): Appeal – See Note section above Current Rates for the First Payment Stream – Verbiage on the Agreement "Your Initial Periodic Rate and corresponding ANNUAL PERCENTAGE RATE will be based on the Index in effect on your closing date." This indicates that the rate was set at closing XX/XX/XXXX .<br> REVIEWER - GENERAL COMMENT (2025-06-04): Exception remains, missing rate lock from loan file.<br> BUYER - GENERAL COMMENT (2025-06-07): Appeal - See initial Rate and Current rate based on variable rate adjustments. Please advise what is needed additionally if this is not sufficient to clear condition.<br> REVIEWER - GENERAL COMMENT (2025-06-11): Exception remains, missing rate lock at origination from loan file. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539137 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539139 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539156 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539176 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539177 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-11): 6-11-25 APPEAL, Please review HUD DOC ID XXXX, fee for title search only. /XX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains. Title policy not provided. |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-11): 6-11-25 APPEAL, Please review Property Report DOC ID XXXX, which shows the subject property is SFR. /dp<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Unable to determine specific property type at origination. | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158539187 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing |  |  |  |  | - B |
| XXXX |  |  | 3158539190 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  | BUYER - GENERAL COMMENT (2025-05-29): Appeal: The subject loan did not close with a full title policy, but rather a Legal & Vesting report. Attached please find the subject loan clear report used for title in lieu of full title report.<br> BUYER - GENERAL COMMENT (2025-05-29): Title report<br> REVIEWER - GENERAL COMMENT (2025-05-30): Exception remains, Title policy needed for 1st lien.<br> BUYER - GENERAL COMMENT (2025-07-10): Appeal: Please escalate/discuss the title report with XXXX |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539198 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-13): Appeal: loan is a HELOC as originated and is not considered a federal related mortgage loan under RESPA, meaning they are not subject to RESPA's requirements, final 1003 not required. XX<br> REVIEWER - GENERAL COMMENT (2025-06-16): Loan is a conventional note as there's no line of credit. Missing Final Loan Application from Origination. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $244.77. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization does not include Settlement Fee XX/XX/XXXX 40.00 as a prepaid finance charge. | BUYER - GENERAL COMMENT (2025-06-19): XX/XX/XXXX Appeal. Re-calculate prepaid finance charge and yielded a FC accurate result. There were only 2 ppfc on the loan: Flood cert $7 and origination $225. XX<br> REVIEWER - GENERAL COMMENT (2025-06-24): Exception remains, Settlement closing fee in the amount of 240.00 not included as a prepaid finance charge. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158539213 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Holder's right to foreclose, Homestead Exemption Waiver | Security Instrument is missing pages 2-5. | BUYER - GENERAL COMMENT (2025-06-12): 6.12.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required.<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, subject loan is not a HELOC. |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX .<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  | BUYER - GENERAL COMMENT (2025-06-06): Appeal – Borrower Signed the ROR XX/XX/XXXX with Disbursement date XX/XX/XXXX as reflected on the Boarding Data Sheet and ROR XX/XX/XXXX through XX/XX/XXXX as Rescission uses the Federal/specific business day definition "all calendar days except Sundays and legal public holidays" (not the general business day definition) the borrower received the XXth through the XXth of XXXX or 3 business days as funding occurred on XX/XX/XXXX .<br> REVIEWER - GENERAL COMMENT (2025-06-09): Exception remains, RTC start date XX/XX/XXXX due to Mortgage Notary date XX/XX/XXXX .<br> BUYER - GENERAL COMMENT (2025-06-10): Appeal - RTC start date XX/XX/XXXX to RTC End date XX/XX/XXXX with Disbursement date XX/XX/XXXX still provided the Borrower(s) XXXXXXXX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, RTC start date XX/XX/XXXX due to Mortgage Notary date XX/XX/XXXX .<br> BUYER - GENERAL COMMENT (2025-06-16): Within the available time frame from the date borrower signed the closing documents to the funding date of the loan, the borrower received 3 days of rescission. No violation occurred.<br> REVIEWER - GENERAL COMMENT (2025-06-18): Exception remains, RTC eligible disbursement date is XX/XX/XXXX .<br> BUYER - GENERAL COMMENT (2025-06-24): Saturday is a business day for the lender.<br> REVIEWER - GENERAL COMMENT (2025-06-25): Exception remains, Loan closed XX/XX as per Notary date and RTC eligible disbursement date is XX/XX/XXXX .<br> BUYER - GENERAL COMMENT (2025-06-27): Appeal – See Notary Individual Acknowledgment. This was an Acknowledgment not the witnessing of a signatory act. The borrower executed the ROR is dated as of the transaction date XX/XX/XXXX with the Disbursement date of XX/XX/XXXX . A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the date is made clear by the date the borrower received two copies of the notice explaining your right to rescind.<br> REVIEWER - GENERAL COMMENT (2025-07-02): Exception remains, Loan closed XX/XX as per Notary date and RTC eligible disbursement date is XX/XX/XXXX .<br> BUYER - GENERAL COMMENT (2025-06-06): Appeal – Borrower Signed the ROR XX/XX/XXXX with Disbursement date XX/XX/XXXX as reflected on the Boarding Data Sheet and ROR XX/XX/XXXX through XX/XX/XXXX as Rescission uses the Federal/specific business day definition "all calendar days except Sundays and legal public holidays" (not the general business day definition) the borrower received the XXth through the XXth of XXXX or 3 business days as funding occurred on XX/XX/XXXX .<br> REVIEWER - GENERAL COMMENT (2025-06-09): Exception remains, RTC start date XX/XX/XXXX due to Mortgage Notary date XX/XX/XXXX .<br> BUYER - GENERAL COMMENT (2025-06-10): Appeal - RTC start date XX/XX/XXXX to RTC End date XX/XX/XXXX with Disbursement date XX/XX/XXXX still provided the Borrower(s) XXXXXXXX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains. RTC start date XX/XX/XXXX due to mortgage notary date XX/XX/XXXX .<br> BUYER - GENERAL COMMENT (2025-06-23): Please verify how by calculation the borrower(s) did not receive 3 days of recession prior to funding date.<br> REVIEWER - GENERAL COMMENT (2025-06-24): Exception remains. RTC start date XX/XX/XXXX due to mortgage notary date XX/XX/XXXX .<br> BUYER - GENERAL COMMENT (2025-06-25): Saturday is a business day for the lender<br> REVIEWER - GENERAL COMMENT (2025-06-25): Exception remains, Loan closed XX/XX as per Notary date and RTC eligible disbursement date is XX/XX/XXXX .<br> BUYER - GENERAL COMMENT (2025-06-27): Appeal – See Notary Individual Acknowledgment. This was an Acknowledgment not the witnessing of a signatory act. The borrower executed the ROR is dated as of the transaction date XX/XX/XXXX with the Disbursement date of XX/XX/XXXX . A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the date is made clear by the date the borrower received two copies of the notice explaining your right to rescind.<br> REVIEWER - GENERAL COMMENT (2025-07-02): Exception remains, Loan closed XX/XX as per Notary date and RTC eligible disbursement date is XX/XX/XXXX . | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158539226 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |  | BUYER - GENERAL COMMENT (2025-06-06): 6.6.25 Appeal attached pages in AMC page 2020 of 4164 HELOC dated XX/XX/XXXX $XX,XXX.XX. In AMC page 2027 o f 4164 HELOC dated XX/XX/XXXX $XXX kindly rescind.XX<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains, Credit investigation on XXXX states subject is in 2nd lien position.<br> BUYER - GENERAL COMMENT (2025-07-03): 7.3.25 Appeal per AMC page 3of4170 XXXX- recording information for 1st and 2nd , XXXX- you are referring to does not match up the recording documents. Please advise. Thank you.<br> REVIEWER - GENERAL COMMENT (2025-07-07): Exception remains, Credit investigation on XXXX states subject is in 2nd lien position. |  |  |  | 2 | [2] Title / Lien Defect - (Doc Error) Loan was portrayed as first lien but found to be a second lien<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-03): 6.3.25 Appeal in AMC page XXXX o XXXX HELOC dated XX/XX/XXXX $XX,XXX.XX. In AMC page 2027 o f 4164 HELOC dated XX/XX/XXXX $XXX kindly rescind.XX.<br> REVIEWER - GENERAL COMMENT (2025-06-05): Exception remains see mortgage dated XX/XX/XXXX DocXXXX and credit investigation XXXX.<br> BUYER - GENERAL COMMENT (2025-06-10): XX/XX/XXXX Appeal: Please see XXXXXXX which states that the property type is a Single Family Residence. XX<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains, missing specific property type at origination.<br> BUYER - GENERAL COMMENT (2025-06-11): XX/XX/XXXX Appeal: Please reconsider. DXXXX is a Collateral Valuation Report from Origination and is dated XX/XX/XXXX prior to the loan closing date of XX/XX/XXXX . This valuation report states the property type is a SFR at origination. XX<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br> BUYER - GENERAL COMMENT (2025-07-02): property type<br> REVIEWER - GENERAL COMMENT (2025-07-03): Property type will not be listed on a HELOC. Exception remains. |  |  |  | - B |
| XXXX |  |  | 3158539248 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  | BUYER - GENERAL COMMENT (2025-06-03): 6.3.25 Appeal. The subject loan was a refinance in XXXXand attached is Title Search Package. Included is the HUD-I and Itemization of Amt Financed showing $60.00 was collected for a Title Search not a Title Policy. As a result only a title search was requested. Please review and rescind. XX<br> REVIEWER - GENERAL COMMENT (2025-06-05): Exception remains, missing final title policy from loan file. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] State Compliance - Wisconsin Prepayment Penalty: Wisconsin Prepayment Penalty: Maximum prepay allowed per state is 60 days interest calculated on 80% of the original loan amount ($XXX). Loan contracts for maximum calculated prepay of $XXX, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539266 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539275 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539282 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539294 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Insurance Documentation - Flood Insurance Error: Insurance premium was not provided. |  | BUYER - GENERAL COMMENT (2025-06-09): Appeal - Not required on a 2nd lien HELOC. - XX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains. Evidence of flood insurance premium not provided. |  |  |  | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] Title / Lien Defect - (Doc Error) Loan was portrayed as first lien but found to be a second lien<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Prepayment Penalty Junior Lien: New York Prepayment Penalty: A prepayment penalty is not permissible on a subordinate lien loan. Prepay language states prepay will not exceed maximum permitted by applicable law. |  | BUYER - GENERAL COMMENT (2025-06-09): Appeal – See Note and Assignment for Sr Lien XXXXX Loan # XXXX with HELOC 2nd Loan # XXXX.<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains. Per documentation in file, assignment was post closing. HELOC is in 2nd position at time of closing.<br> BUYER - GENERAL COMMENT (2025-06-23): Appeal – See page 129, XXXXXXXXXX.<br> REVIEWER - GENERAL COMMENT (2025-06-25): Exception remains, data tape received stated subject lien was in 1st position but after review was found to be in 2nd. | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158539310 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-05): XX/XX/XXXX Appeal – See the Credit Investigation confirming the Property Type, SFR. – XX<br> REVIEWER - GENERAL COMMENT (2025-06-09): Exception remains, Unable to determine specific property type at origination. |  |  |  | - B |
| XXXX |  |  | 3158539322 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539325 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539328 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539333 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-03): 6-3-2025 Appeal. Please see attached Disbursement Request and Authorization form and XXXX XXX Servicing screen which includes a statement on Flood Insurance including the flood map and date and that the subject is NOT in a flood zone. XX<br> REVIEWER - GENERAL COMMENT (2025-06-05): Exception remains, missing flood determination |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539354 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539358 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-06): XX/XX/XXXX Appeal - Flood Cert is attached. - XX<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains, flood determination not provided.<br> BUYER - GENERAL COMMENT (2025-06-12): See attachment<br> REVIEWER - GENERAL COMMENT (2025-06-13): Missing Flood Cert from origination.<br> BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX appeal. Final 1003 is not applicable for a HELOC - XX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, subject loan is not a HELOC. |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-06): XX/XX/XXXX Appeal - Flood Cert is attached. - XX<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains, flood determination note provided.<br> BUYER - GENERAL COMMENT (2025-06-12): See attachment<br> REVIEWER - GENERAL COMMENT (2025-06-13): Missing Flood Cert from origination.<br> BUYER - GENERAL COMMENT (2025-06-12): XX/XX/XXXX appeal - Attaching Settlement Statement that disclosed disbursement to XXXXXX Home & a payoff check to XXXXXX - XX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Unable to determine Original Lender. |  |  |  | - B |
| XXXX |  |  | 3158539365 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $667.61. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. | BUYER - GENERAL COMMENT (2025-06-09): XX/XX/XXXX - Appeal: Refer to XXXXXX for property type which reflects a single family detached home. XX<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Unable to determine specific property type at origination. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158539371 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158539385 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | UTD UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539391 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158539398 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539418 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539423 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539438 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-04): GFE<br> REVIEWER - GENERAL COMMENT (2025-06-06): Exception remains, Unable to determine if initial GFE as it is not dated. |  |  |  | - B |
| XXXX |  |  | 3158539455 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539457 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  | BUYER - GENERAL COMMENT (2025-06-11): XX/XX/XXXX Appeal: Please see exception id 33516939. The application date was XX/XX/XXXX . XX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Initial application date missing.<br> BUYER - GENERAL COMMENT (2025-06-11): XX/XX/XXXX Appeal: Please see exception id 33516939. The application date was XX/XX/XXXX . XX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Initial application date missing.<br> BUYER - GENERAL COMMENT (2025-06-11): XX/XX/XXXX Appeal: Please see XXXXXXXX. The application was taken by phone on XX/XX/XXXX . XX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Unable to determine specific date referenced is the application date.<br> BUYER - GENERAL COMMENT (2025-06-11): XX/XX/XXXX Appeal: Please see XXXXXXX which states the loan was not ready to fund until XX/XX/XXXX . DOC XXXXXXX confirms funding on XX/XX/XXXX . XX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Disbursement date not provided.<br> BUYER - GENERAL COMMENT (2025-07-02): Appeal – See Loan Closing Summary and Disbursement of Loan Proceeds and Expenses, Funding date XX/XX/XXXX .<br> REVIEWER - GENERAL COMMENT (2025-07-07): Exception remains. Evidence for funding date should be from settlement agent.<br> BUYER - GENERAL COMMENT (2025-07-07): Please escalate to manager | Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158539463 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $218.15. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an Settlement fee of $220.00 as prepaid finance charge. | BUYER - GENERAL COMMENT (2025-06-05): Appeal – See the Boarding Data and Disbursement Request Authorization for verification that the POC on the HUD for Settlement was not paid by the Borrower from loan proceeds or in cash by the Borrower.<br> REVIEWER - GENERAL COMMENT (2025-06-06): Exception remains. Closing fee POC does not list Payor.. Documentation not located that another party paid the Settlement fee..<br> BUYER - GENERAL COMMENT (2025-06-10): Appeal –See the Post Closing Review Checklist, the 220.00 POC was for the Notary, please remove and retest.<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains. Documentation cited does not identify payor of POC charges.<br> BUYER - GENERAL COMMENT (2025-06-16): Appeal - Notary fee is not a PPFC, please remove and retest.<br> REVIEWER - GENERAL COMMENT (2025-06-18): Exception remains, under disclosure due to a settlement fee and not a notary fee. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158539469 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-24): 06-24-2025 Appeal. Please find Flood Determination whihc is acceptable as Cert per AMC mgmt. XX<br> REVIEWER - GENERAL COMMENT (2025-06-25): Attached flood doc is not valid for subject loan - incorrect loan id, borrower and timeframe. Exception remains.<br> BUYER - GENERAL COMMENT (2025-06-13): 6.12.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required kindly review rescind.XX..<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, subject loan is not a HELOC. |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $291.12. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Itemization did not disclose $290 of the Settlement fee as prepaid finance charges. | BUYER - GENERAL COMMENT (2025-06-05): Appeal – See the Boarding Data and Disbursement Request Authorization for verification that the POC on the HUD for Settlement was not paid by the Borrower from loan proceeds or in cash by the Borrower<br> REVIEWER - GENERAL COMMENT (2025-06-09): Exception remains, Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the settlement/closing fee.<br> BUYER - GENERAL COMMENT (2025-06-10): Appeal –See the Doc Prep Checklist, the 290.00 POC was for the Notary, please remove and retest.<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains. Evidence of payor of POC charges not documented.<br> BUYER - GENERAL COMMENT (2025-06-16): Appeal - Notary fee is not a PPFC, please remove and retest.<br> REVIEWER - GENERAL COMMENT (2025-06-18): Exception remains, under disclosure is referencing a settlement fee and not a notary fee. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158539476 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-09): 6-9-25 APPEAL, Please see Desktop Evaluation XXXXXXX , Collateral Valuation Report DOC IDs XXXXXXX , Approval DOC XXXXXXX , and Property Report XXXXXXX <br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br> BUYER - GENERAL COMMENT (2025-06-12): 6-12-25 APPEAL, All of the documents referenced in the appeal refer to the property type as SFR. Please see Desktop Evaluation XXXXXXX , Collateral Valuation Report DOC IDs XXXXXXX , Approval DOC XXXXXXX , and Property Report XXXXXXX <br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Unable to determine property type ei: single family attached vs detached vs PUD at origination. |  |  |  | - B |
| XXXX |  |  | 3158539496 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158539534 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539535 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158539566 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539591 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539597 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX appeal. Final 1003 is not applicable for a HELOC - XX<br> REVIEWER - GENERAL COMMENT (2025-06-16): Promissory Note is not a line of credit. Exception remains. Missing Final Loan Application from Origination. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  | BUYER - GENERAL COMMENT (2025-06-12): XX/XX/XXXX appeal. Screenshot of Original Appraised value from XXXX internal database is attached - XX<br> BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX appeal. Doc reflecting property type is attached - XX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Please provide Appraisal from origination. | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539602 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | UTD UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539603 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] Title / Lien Defect - (Doc Error) Loan was portrayed as first lien but found to be a second lien<br> [2] State Compliance - New York Prepayment Penalty Junior Lien: New York Prepayment Penalty: A prepayment penalty is not permissible on a subordinate lien loan. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  | BUYER - GENERAL COMMENT (2025-06-11): XX/XX/XXXX Appeal: page 707 / XXXXXXX Mtg on the subject states this is a subbordinate lien on page 7 of the document.. Verify evidence loan was presented as a first lien…XX<br> REVIEWER - GENERAL COMMENT (2025-06-17): Exception remains, data tape received reflects subject property in first lien but after review of loan file subject transaction is in 2nd lien position.<br> BUYER - GENERAL COMMENT (2025-06-15): XX/XX/XXXX appeal: In the Promise to Pay section of the HELOC Agreement (page 688 (Doc ID XXXX) of the XXXX loan file) it is stated "You may pay all or part of the outstanding balance at any time, without penalty". XX<br> REVIEWER - GENERAL COMMENT (2025-06-17): Exception remains, please see section below "Our Charges for your loans." You will be responsible for the above mentioned closing costs, should you request us release our security interest within 2 years. | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158539607 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  | BUYER - GENERAL COMMENT (2025-06-17): Title not required<br> BUYER - GENERAL COMMENT (2025-06-17): no title<br> REVIEWER - GENERAL COMMENT (2025-06-18): Please cite reason.<br> BUYER - GENERAL COMMENT (2025-06-28): title not required on a HELOC<br> REVIEWER - GENERAL COMMENT (2025-07-01): Exception remains. Final Title policy required for 1st lien transactions, including HELOCs. |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-23): Appeal: RTC not applicable on non-owner occupied.<br> REVIEWER - GENERAL COMMENT (2025-06-24): No documentation from origination in file located to determine occupancy.<br> BUYER - GENERAL COMMENT (2025-06-23): Appeal: XXXXX shows occupancy is non-owner occupied.<br> REVIEWER - GENERAL COMMENT (2025-06-24): Doc is not dated and loan terms do not match origination, therefore is excluded. Exception remains. | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158539608 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-12): 6.12.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required.<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, subject loan is not a HELOC. |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158539612 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539616 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539663 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539668 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | UTD UTD |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539674 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX .<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158539678 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539690 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Late Charge Percent Testing: New York Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%.<br> [2] State Compliance - New York Prepayment Penalty: New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of X.XX% contracts for a prepay term of XX months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-04): HUD & ROR<br> REVIEWER - GENERAL COMMENT (2025-06-06): Exception remains, Unable to determine prior originating lender from documentation within loan file. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539691 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Affidavit of Borrower(s) and Mortgagor(s) # 2 Borrower has received the notices and information Borrower is entitled to receive under the law, including, without limitation, the Truth-in-Lending Act, the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required.<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $123.24. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to verified Finance charge variance due to missing itemization of amount financed. | BUYER - GENERAL COMMENT (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Affidavit of Borrower(s) and Mortgagor(s) # 2 Borrower has received the notices and information Borrower is entitled to receive under the law, including, without limitation, the Truth-in-Lending Act, the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. GFE not required.<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): no action | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158539694 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $217.29. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a Settlement fee of $220.00 as prepaid finance charge. | BUYER - GENERAL COMMENT (2025-06-07): 6.7.25 Appeal. Please see attached highlighted section of the Boarding Data Sheet from origination showing the property type. Please review and rescind. XX<br> BUYER - GENERAL COMMENT (2025-06-07): 6.7.25 In addition, attached is AVM from origination.<br> REVIEWER - GENERAL COMMENT (2025-06-11): Exception remains, unable to determine specific property type at origination. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158539695 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539699 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |  | BUYER - GENERAL COMMENT (2025-06-03): 6.3.25 Appeal pages 993 of 4405 in AMC Mtg $250.000.00 Note date XX/XX/XXXX and pages1001 of 4405 Note dated XX/XX/XXXX for $125,000.00 kindly review rescind.XX.<br> REVIEWER - GENERAL COMMENT (2025-06-05): Exception remains, please see title commitment Doc581. missing note for XXXXXX of California in the amount of 192k.<br> BUYER - GENERAL COMMENT (2025-06-06): Appeal: Please see D1013 for Loan Exception Detail with approvals documenting missing note at time of origination also confirming no neg am and verified fixed. NTB D1016 also in file with terms provided on first.<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains, missing 1st lien note. |  |  |  | 2 | [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan prepay term of XXX months exceeds state maximum of 60 months. Prepay may be impermissible depending on the lender's license type. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] State Compliance - California Primary Residence Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Title / Lien Defect - (Doc Error) Loan was portrayed as first lien but found to be a second lien<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  | BUYER - GENERAL COMMENT (2025-07-08): Appeal – See Credit Line Disclosure on page 78 or XXXXX with the important information about the HELOC and meets the verbiage requirements for the disclosure.<br> BUYER - GENERAL COMMENT (2025-06-09): Appeal – See Lender's Instruction to Closing Agent page 4 of 4, Title Policy Requirements # 4. – First Deed of Trust / Mortgage in Favor of XXXXXX with the Second in favor of Subject transaction originator XXXXXXXX<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains, subject transaction is a 2nd and data tape had transaction listed as first. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539700 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Illinois Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] State Compliance - Illinois Prepayment Penalty: Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-08): Appeal - The loan Note Agreement does not contain a Prepayment Penalty. Provide Prepayment Penalty cited. - XX<br> REVIEWER - GENERAL COMMENT (2025-06-12): Please see page 4 Fee to Close account.<br> BUYER - GENERAL COMMENT (2025-06-16): Appeal - A Prepayment Penalty is a fee charged by the Lender if the loan is paid off before the agreed upon term ends, designed to compensate Lenders for lost income if the loan is paid off early. Where a fee to close an account is a fee to cover the costs associated with setting up an account. In Illinois ACT 90-0561, on HELOCs allows a cancelation fee if it does not exceed $500.00. See page 4 of the HELOC Agreement, the fee the lesser of XX% of the Credit Line or $XXX. This amount remains below the Illinois limit of $XXX allowed on a HELOC.<br> REVIEWER - GENERAL COMMENT (2025-06-19): Exception remains, The IL prepay exception was cited due to the rate exceeding 8% and the loan including a prepayment penalty. The citation for this is: 815 Ill. Comp. Stat. 205/4(2)(a): Whenever the rate of interest exceeds an annual percentage rate of 8% on any written contract, agreement or bond for deed providing for the installment purchase of residential real estate, or on any loan secured by a mortgage on residential real estate, it shall be unlawful to provide for a prepayment penalty or other charge for prepayment.<br> BUYER - GENERAL COMMENT (2025-06-23): The cited violation is not applicable to the subject transaction. No prepayment penalty on Note. Exceeding XX% is irrelevant. As you have also stated the fee on the Note is a fee to close the account. In Illinois ACT 90-0561, on HELOCs allows a cancelation fee if it does not exceed $500.00. See page 4 of the HELOC Agreement, the fee the lesser of XX% of the Credit Line or $XXX. This amount remains below the Illinois limit of $XXX allowed on a HELOC.<br> REVIEWER - GENERAL COMMENT (2025-06-25): Please confirm the citation referenced? This appears to be a Public Utilities Act. https://www.ilga.gov/legislation/publicacts/pubact90/acts/90-0561.html<br> The exception was cited under 815 Ill. Comp. Stat. 205/4(2)(a) (Illinois Interest Act).<br> BUYER - GENERAL COMMENT (2025-06-27): Illinois law (ACT 90-0561) allows cancellation fees on HELOCs, but limits them to a maximum of $500.00. Illinois Predatory Lending Database Program Act, which was established through Public Act 94-280 (HB4050).<br> The HELOC agreement in question specifies a cancellation fee of the lesser of XX% of the Credit Line or $XXX. This amount is below the $500.00 statutory limit, meaning it is permissible under Illinois law. Illinois Law (ACT 90-0561): This law allows for cancellation fees on HELOCs, but limits them to $500. Interest Rate: Whether the mortgage interest rate exceeds 8% is irrelevant, as the law pertains to the fee amount, not the interest rate itself. Exemptions: State and federally chartered banks, savings banks, savings and loan associations, credit unions, and insurance companies are exempt from the PLPA. Entities that are exempt from the Act include: Any entity not required to be licensed under the Residential Mortgage License Act. Specifically, this includes: Banks, savings banks, savings and loan associations, credit unions, and insurance companies organized, chartered, or holding a certificate of authority to do business under the laws of Illinois, any other state, or the United States. Therefore, XXXXX Bank, N.A. would be exempt from the Illinois Predatory Lending Database Program Act because it is a federally chartered bank.<br> REVIEWER - GENERAL COMMENT (2025-07-07): Exception remains, Quoting appears to be a Public Utilities Act and the exception we are citing falls under the Illinois Interest Act. There do not appear to be any exemptions based on lender type under the Illinois Interest Act; however if they can provide language clarifying where this is found in the statute, we can certainly review. 815 Ill. Comp. Stat. 205/4(2)(a) does appear to allow some exemptions but it does not appear this is based on the originating lender.<br> BUYER - GENERAL COMMENT (2025-06-09): 6.9.25 Appeal. Please see attached highlighted section of the Boarding Data Sheet from origination showing the property type. Please review and rescind. XX<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Unable to determine specific property type at origination. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539717 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539736 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539743 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158539744 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $257.57. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. | BUYER - GENERAL COMMENT (2025-05-29): Per LAS report, application date XX/XX/XXXX , initial 1003 found on XXXXX says initial urla signed dated XX/XX/XXXX also verified by GFE signed by borrowers on the same date.<br> BUYER - GENERAL COMMENT (2025-05-29): initial 1003 and GFE signed dated<br> BUYER - GENERAL COMMENT (2025-05-29): gfe<br> REVIEWER - GENERAL COMMENT (2025-05-30): Exception remains. Document noted in appeal is the broker initial loan application. This exception is for the lender initial 1003. There is no alt source for application date in file.<br> BUYER - GENERAL COMMENT (2025-06-02): Appeal: Please check the calculation method used to recalculate the payment identified as incorrect.<br> REVIEWER - GENERAL COMMENT (2025-06-03): Calculation method reviewed. DSI Odd Amortization. Exception remains. It appears upfront per diem interest was amortized over the life of the loan. The Note indicates DSI actual/actual, the disbursement date was more than one month prior to the first payment date, indicating prepaid interest should have been collected, no prepaid interest was collected on the HUD or in the first payment, | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158539774 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $214.66. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization reflects $0.00 as prepaid finance charge. | BUYER - GENERAL COMMENT (2025-06-14): XX/XX/XXXX Appeal. Re-calculated ppfc. Lender paid the $6.75 flood and $202 for closing fee. These fees are customarily paid by lender not borrower as reflected on the HUD - POC. The only closing cost paid by borrower was the recording fee and was included in the loan amount. PPFC recalculations yielded FC accurate result. XX<br> REVIEWER - GENERAL COMMENT (2025-06-16): Regardless if customarily paid, this HUD in question does not reflect any Lender paid fees. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158539777 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539783 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539805 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158539813 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $536.00 is underdisclosed from HUD Finance Charge of $725.75 in the amount of $189.75.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (2025-06-03): $14.75 Flood and $175 Settlement fee were paid by the lender. HUD reflects credits for all items with the exception of the $536 Broker fee.<br> REVIEWER - GENERAL COMMENT (2025-06-05): Exception remains, HELOC agreement did not disclose a broker fee in the amount of $536.00.<br> BUYER - GENERAL COMMENT (2025-06-06): Please see the 5th fee down in section 10 of the HELOC Agreement.<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains, corrected comment, HELOC agreement did not disclose a flood determination of $14.75, a closing fee in the amount of $175.00. |  |  |  | - B |
| XXXX |  |  | 3158539824 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539826 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - California Primary Residence Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (2025-05-30): Appeal – CA late fee was capped at the greater of $5 or 6% of the missed payment amount. The Agreement reflects a late fee of X.XX% of the current minimum payment. Since the X.XX% fee is calculated on the smaller minimum payment, this would be a lower fee than the potential cap of $5 or 6% of the missed payment.<br> REVIEWER - GENERAL COMMENT (2025-06-04): Exception remains, When a HELOC does not disclose a monthly payment and includes a late fee that is based on a percentage of the monthly payment amount and/or the jurisdiction includes a late charge threshold based on a percentage of the monthly payment amount, an "Unable To Determine" late charge exception will be cited. This is not indicative of an actual failure but rather is informational stating that as a result of certain information not being available, we are unable to determine whether the requirement has been met or not. | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158539828 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539829 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-13): 6.13.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required kindly review rescind.XX<br> BUYER - GENERAL COMMENT (2025-06-13): delete the below request please<br> BUYER - GENERAL COMMENT (2025-06-13): 6.13.25 Appeal attached please find final 1003 for 3 borrowers, kindly review rescind gs..<br> REVIEWER - GENERAL COMMENT (2025-06-16): Attached docs are not dated. Exception remains. Missing Final Loan Application from Origination. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158539844 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539855 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158539861 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  | BUYER - GENERAL COMMENT (2025-06-08): Appeal – See XXXXX Check List Dated XX/XX/XXXX , Disbursement date of XX/XX/XXXX , see same Proration date of XX/XX/XXXX on the HUD.<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains. The disbursement date should come from page one of the HUD. When page one is missing this information, we look for evidence of funding from the settlement agent. If none found, our system will use the "Interest From" date to be able to run compliance and will also generate a level 2 exception. Unable to determine Funding Worksheet from the settlement agent. | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158539863 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  | BUYER - GENERAL COMMENT (2025-06-07): title<br> REVIEWER - GENERAL COMMENT (2025-06-11): Exception remains, previous transaction lender was XXXXXXXXXXX. | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| XXXX |  |  | 3158539867 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  | - A |
| XXXX |  |  | 3158539885 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 3 | [3] Federal Compliance - Federal and State High Cost Lookback Failures: Due to missing evidence of initial application date. An application date of XX/XX/XXXX was used for Compliance testing. The loan would result in a High Cost failure due to points and fees test failure based on the following application dates XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX .<br> [3] Anti-Predatory Violation - Federal HOEPA Ability to Repay Reliable Documentation: Truth in Lending Act (HOEPA): Borrower's ability to repay not verified with reliable documentation.<br> [3] Anti-Predatory Violation - (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee): Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold)<br> [3] Anti-Predatory Violation - (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided 3 Business Days Prior to Closing): Truth in Lending Act (HOEPA): HOEPA disclosure not received by Borrower(s) at least three (3) business days prior to transaction date.<br> [3] Federal Compliance - (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees): Truth in Lending Act (HOEPA): Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of the greater of X.XX% of the Federal Total Loan Amount and $XXX (XXXX). Points and Fees of $XXX on a Federal Total Loan Amount of $XX,XXX.XX vs. an allowable total of $XXXand $XXX (XXXX) (an overage of $XXX or X.XX%). Non-Compliant High Cost Loan.<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $311.12. | Anti-Predatory Violation - (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided 3 Business Days Prior to Closing): Date signed XX/XX/XXXX . Closing XX/XX/XXXX <br> Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a Prepaid interest fee of $275.92 and Settlement fees of $450.00 and HUD 1 fee amount did not disclose Prepaid Interest of $376.25 and Credit report fee of $50.00 as prepaid finance charge |  | Anti-Predatory Violation - (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee): Assignee Liability: A purchaser or assignee of a HOEPA loan is subject to all claims and defenses that the consumer could assert against the original creditor. This potential liability is limited to the sum of (a) all remaining indebtedness (including principal) and (b) the total amount paid by the borrower (including principal and interest), whether or not paid prior to the transfer of the loan to the assignee. Effective XX/XX/XXXX : Creditors may be held liable to the consumer for civil liability of $4,000, in the case of an individual transaction, or the lesser of $1,000,000 or 1% of the creditor's net worth in the case of a class action, as well as actual damages court costs and attorneys' fees.<br>Anti-Predatory Violation - (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided 3 Business Days Prior to Closing): Assignee Liability: A purchaser or assignee of a HOEPA loan is subject to all claims and defenses that the consumer could assert against the original creditor. This potential liability is limited to the sum of (a) all remaining indebtedness (including principal) and (b) the total amount paid by the borrower (including principal and interest), whether or not paid prior to the transfer of the loan to the assignee. Effective XX/XX/XXXX : Creditors may be held liable to the consumer for civil liability of $4,000, in the case of an individual transaction, or the lesser of $1,000,000 or 1% of the creditor's net worth in the case of a class action, as well as actual damages court costs and attorneys' fees.<br>Federal Compliance - (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees): Assignee Liability: A purchaser or assignee of a HOEPA loan is subject to all claims and defenses that the consumer could assert against the original creditor. This potential liability is limited to the sum of (a) all remaining indebtedness (including principal) and (b) the total amount paid by the borrower (including principal and interest), whether or not paid prior to the transfer of the loan to the assignee.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | HC - High Cost |
| XXXX |  |  | 3158539889 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158539895 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Connecticut Prepayment Penalty Test: Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  | BUYER - GENERAL COMMENT (2025-06-17): Appeal - Connecticut law prohibits second mortgage licensees from imposing prepayment penalties of more than 5% of the balance prepaid and further prohibits any prepayment penalties on prepayments occurring more than three years after the loan date specifically sections 36-224j to 36-224o of the Connecticut General Statutes (later renumbered as 36a-519 to 36a-524) were not repealed until XX/XX/XXXX , the subject transaction occurred in XXXX. The prepayment penalty was in compliance at origination.<br> REVIEWER - GENERAL COMMENT (2025-06-19): Exception remains, The rebuttal references second mortgage licensee prepay restrictions, but the exception is cited under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act. The exemption from the prepayment penalty restriction established in the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act is not a blanket exemption for all mortgage brokers. The mortgage broker or mortgage lender must meet one of the exemptions from licensure established in Section 36a-487 of the Act. Please provide information about how XXXXXXXX met one of the exemptions listed in Section 36a-487.<br> XXXXXXXX <br> BUYER - GENERAL COMMENT (2025-06-09): XX/XX/XXXX Appeal: This is a O/O Purchase transaction therefore funds can be disbursed on the consummation date, which is referenced on the closing instruction on page 234 / XXXX.XX<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains. The disbursement date should come from page one of the HUD. When page one is missing this information, we look for evidence of funding from the settlement agent. If none found, our system will use the "Interest From" date to be able to run compliance and will also generate a level 2 exception (this exception is informational). |  |  |  | - B |
| XXXX |  |  | 3158539911 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-11): Appeal. Final 1003 found in file. Kindly refer to Doc ID XXXXX1 XXXX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Unable to confirm this is final. Document is signed, Unable to confirm signed at closing. Exception remains. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (2025-06-11): Appeal. Initial 1003 found in file. Kindly refer to Doc ID XXXXXXXXX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Document referenced is Broker initial application. Exception remains. |  |  |  | - B |
| XXXX |  |  | 3158539919 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158539927 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] State Compliance - Ohio Prepayment Penalty: Ohio Prepayment Penalty: Maximum calculated prepay of $XXX exceeds the state maximum of 1% of the original balance ($XXX). Prepay language states prepay will not exceed maximum permitted by applicable law. |  | BUYER - GENERAL COMMENT (2025-06-08): subject transaction was a purchase<br> REVIEWER - GENERAL COMMENT (2025-06-11): Exception remains, missing disbursement date. |  |  |  | - B |
| XXXX |  |  | 3158539932 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158539933 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Ohio Alternate Prepayment Penalty SMLA Testing: Ohio Prepayment Penalty: Loan prepay term of 60 months exceeds state maximum of XX months. (applies only to Second Mortgage Loan Act registrants) Prepay language states prepay will not exceed maximum permitted by applicable law.]<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  | BUYER - GENERAL COMMENT (2025-06-17): Appeal - In Ohio, residential mortgage obligations contracted for on or after November 4, XXXX can be prepaid or refinanced without penalty at any time after five years. ORC 1343.011(C)(2)(a), which exempts certain smaller residential mortgage obligations from prepayment penalties, was effective as of January 1, 2007. ORC 1343.011(C)(1) was enacted on December 28, 2009. This section defines terms related to residential mortgages and prepayment penalties. The prepayment penalty term was in compliance at origination XX/XX/XXXX .<br> REVIEWER - GENERAL COMMENT (2025-06-19): Exception remains, The prepay exception for this loan was cited under Ohio Rev. Code Ann. §1321.57(G)(2). This requirement is only applicable to SMLA registrants. Can you confirm if the originating lender was a Second Mortgage Loan Act (SMLA) registrant? If the creditor is not a Second Mortgage Loan Act registrant, the exception would not be valid and may be cleared. License status is not considered in scope of review since licensing information is not something typically found in the loan file. | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158539943 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | UTD UTD |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158539947 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - Illinois Prepayment Penalty: Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| XXXX |  |  | 3158539956 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158539981 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-06): Appeal - Loan, it is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required.<br> BUYER - GENERAL COMMENT (2025-06-08): Disregard added to file in error<br> REVIEWER - GENERAL COMMENT (2025-06-09): no action<br> BUYER - GENERAL COMMENT (2025-06-12): 6.12.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required.<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, subject loan is not a HELOC. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-06): XX/XX/XXXX Appeal - Loan, it is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. GFE not required. - XX<br> BUYER - GENERAL COMMENT (2025-06-08): Disregard added to file in error<br> REVIEWER - GENERAL COMMENT (2025-06-09): No action<br> BUYER - GENERAL COMMENT (2025-06-06): Appeal – See Credit Investigation Property Type SFR.<br> REVIEWER - GENERAL COMMENT (2025-06-09): Exception remains, Unable to determine specific property type at origination. |  |  |  | - B |
| XXXX |  |  | 3158539982 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158539992 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-12): 6.12.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required. XX.<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, subject loan is not a HELOC. |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158539997 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  | BUYER - GENERAL COMMENT (2025-06-02): Document MSP uploaded in XXXX observed that the loan is SFD, XXXX<br> REVIEWER - GENERAL COMMENT (2025-06-02): Exception remains. Unable to determine specific property type at origination. |  |  |  | - B |
| XXXX |  |  | 3158540023 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158540031 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Affidavit of Borrower(s) and Mortgagor(s) # 2 Borrower has received the notices and information Borrower is entitled to receive under the law, including, without limitation, the Truth-in-Lending Act, the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required.<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Affidavit of Borrower(s) and Mortgagor(s) # 2 Borrower has received the notices and information Borrower is entitled to receive under the law, including, without limitation, the Truth-in-Lending Act, the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. GFE not required.<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540040 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Mortgagor's Statement # 2 Borrower has received the notices and information Borrower is entitled to receive under the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required.<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-03): Appeal - A Good Faith Estimate (GFE) is not required for Home Equity Lines of Credit (HELOCs). HELOCs were exempt from the requirements of RESPA (Real Estate Settlement Procedures Act) and thus do not require a GFE. Instead, HELOCs are subject to Regulation Z (Truth in Lending).<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action |  |  |  | - B |
| XXXX |  |  | 3158540071 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-10): 6.10.25 Appeal. A Final 1003 is not required for a HELOC transaction. Please review and rescind. XX<br> REVIEWER - GENERAL COMMENT (2025-06-11): Exception remains, subject transaction is not a HELOC. |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158540093 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158540095 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540100 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540125 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX - Appeal. Final 1003 not applicable on HELOCs.-XXX<br> REVIEWER - GENERAL COMMENT (2025-06-16): Promissory Note is not a line of credit. Exception remains. Missing Final Loan Application from Origination. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158540130 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| XXXX |  |  | 3158540146 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540153 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-09): XX/XX/XXXX appeal: Please find the origination homeowner's policy which shows the subject is a single-family property. XX<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains, unable to determine specific property type at origination. |  |  |  | - B |
| XXXX |  |  | 3158540167 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $922.50 is underdisclosed from HUD Finance Charge of $1,022.50 in the amount of $100.00.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158540174 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | UTD | UTD UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] General - Incomplete Document: Note - Subject Lien is incomplete<br> [3] Application / Processing - Missing Document: Flood Certificate not provided | HELOC Incomplete missing page 3 of 3. Data captured as per pages provided. |  |  |  |  | 2 | [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158540197 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-30): 6.30.25 Appeal attached title search XX/XX/XXXX at origination all pages, XXXXX division originated loan Note XXXXX- First mtg kindly review rescind.XX.<br> BUYER - GENERAL COMMENT (2025-06-30): per HUD XXXX title search,XX,<br> REVIEWER - GENERAL COMMENT (2025-07-01): The attached Legal/Vesting report is missing the mortgage section. Per post closing documentation in file, subject loan is a 1st lien and there is an additional lien at time of origination. Final Title is required. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540209 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158540217 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided |  | BUYER - GENERAL COMMENT (2025-06-17): XX/XX/XXXX appeal. See attachment - XX<br> REVIEWER - GENERAL COMMENT (2025-06-18): Attached TPOL is from XXXX. Origination is from XXXX.<br> BUYER - GENERAL COMMENT (2025-06-18): loan was a HELOC - title not required<br> REVIEWER - GENERAL COMMENT (2025-06-19): This HELOC is a 1st position lien - Title required. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540221 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540242 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $218.48. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158540244 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540248 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158540252 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540260 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158540306 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158540309 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-07-02): XX/XX/XXXX Appeal: Please find the attached title work from origination. A final title was not required. XX<br> REVIEWER - GENERAL COMMENT (2025-07-03): Exception remains. Final Title policy required for 1st lien transactions.<br> BUYER - GENERAL COMMENT (2025-07-09): Appeal: Please escalate/discuss with XXXX XXXX.<br> BUYER - GENERAL COMMENT (2025-06-10): 6.10.25 Appeal. A Final 1003 is not required for a HELOC transaction. Please review and rescind. XX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, subject loan is not a HELOC. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540310 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158540323 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - TILA HELOC - Credit Agreement Missing: Unable to test HELOC Agreement due to missing information.<br> [2] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Unable to test billing rights due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-10): XX/XX/XXXX Appeal: see page 1839 / doc XXXX of the HELOC Agreement showing the Billing Rights in section VIII.XX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Signature date on HELOC missing.<br> BUYER - GENERAL COMMENT (2025-06-10): XX/XX/XXXX Appeal: see page 1839 / doc XXXX of the HELOC Agreement showing the Billing Rights in section VIII.XX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Signature date on HELOC missing.<br> BUYER - GENERAL COMMENT (2025-07-01): Appeal: The HELOC is dated on page 1 as XX/XX/XXXX . It is noted that there is not a line and spot for date on sugnature page of HELOC, indicating that signature date is not required.<br> REVIEWER - GENERAL COMMENT (2025-07-03): Exception remains, Signature date on HELOC missing. | Federal Compliance - TILA HELOC - Credit Agreement Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158540326 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX .<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Disbursement date XX/XX/XXXX per HUD. Notary date on Security Instrument XX/XX/XXXX . |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158540354 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-17): Appeal – Flood Cert. See attached. Please refer to the Collateral Summary of the Boarding Data Sheet which reflected the map, section, flood section (not in flood area), and flood notice date of the flood cert at time of origination. The second image is <br> A current flood cert which is the exact information of flood cert at origination – the map date (XX/XX/XXXX), map # XXXX, community, the flood section – "X" not in flood hazard area. XX<br> REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2025-06-17): A post dated certificate can not be used for this origination date of loan |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540363 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  | BUYER - GENERAL COMMENT (2025-06-09): title<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains. No title in file. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX .<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  | BUYER - GENERAL COMMENT (2025-06-25): Appeal – See Notary Acknowledgment. This instrument was Acknowledged before me on. The borrower executed the ROR is dated as of the transaction date XX/XX/XXXX with the Disbursement date of XX/XX/XXXX . A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the date is made clear by the date the borrower received two copies of the notice explaining your right to rescind.<br> REVIEWER - GENERAL COMMENT (2025-06-30): The rescission rules under open-end credit plans allow the consumer to exercise their right to rescind until midnight of the third business day following the last occurrence of the following events:<br> 1. The date of the transaction; <br> 2. Delivery of the rescission notice; and <br> 3. Delivery of all material disclosures.<br> Under #1 above, this would represent the date the credit line was opened. While this would normally be evidenced by the signature of the HELOC Credit Agreement (i.e., the Note), the Credit Agreement does not indicate which date the document was signed. However, the Security Instrument does show the HELOC Mortgage was signed on XX/XX/XXXX s evidenced by the notary date. Given the Mortgage and HELOC Agreement (or Note) are normally signed together, our default testing relies on the Notary Date of the Security Instrument when the HELOC Agreement (or Note) does not evidence the specific date the document was signed. Given the Mortgage was signed on XX/XX/XXXX the rescission expiration date would be XX/XX/XXXX midnight of). The Expiration Date on the RTC shows XX/XX/XXXX hich does not appear to provide three business days from the latest of the three events. <br> Please provide evidence the Credit Line was opened on XX/XX/XXXX espite the fact the Mortgage and HELOC Agreement both appear to have been signed on XX/XX/XXXX Note the preprinted date of XX/XX/XXXX n page 1 of the HELOC Agreement is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br> BUYER - GENERAL COMMENT (2025-07-02): Rescission period start date: The three-day right of rescission period, established under the Truth in Lending Act (TILA), doesn't begin until after these three events have occurred: Signing of the credit contract (Promissory Note). Receipt of the TILA disclosure document (Closing Disclosure). Receipt of two copies of the notice explaining the right to rescind. The Acknowledgment that the borrower received 2 copies of the right to cancel is initialed and dated by the borrower XX/XX/XXXX .<br> REVIEWER - GENERAL COMMENT (2025-07-07): The rescission rules under open-end credit plans allow the consumer to exercise their right to rescind until midnight of the third business day following the last occurrence of the following events:<br> 1. The date of the transaction; <br> 2. Delivery of the rescission notice; and <br> 3. Delivery of all material disclosures.<br> Under #1 above, this would represent the date the credit line was opened. While this would normally be evidenced by the signature of the HELOC Credit Agreement (i.e., the Note), the Credit Agreement does not indicate which date the document was signed. However, the Security Instrument does show the HELOC Mortgage was signed on XX/XX/XXXX s evidenced by the notary date. Given the Mortgage and HELOC Agreement (or Note) are normally signed together, our default testing relies on the Notary Date of the Security Instrument when the HELOC Agreement (or Note) does not evidence the specific date the document was signed. Given the Mortgage was signed on XX/XX/XXXX the rescission expiration date would be XX/XX/XXXX midnight of). The Expiration Date on the RTC shows XX/XX/XXXX hich does not appear to provide three business days from the latest of the three events. <br> Please provide evidence the Credit Line was opened on XX/XX/XXXX espite the fact the Mortgage and HELOC Agreement both appear to have been signed on XX/XX/XXXX Note the preprinted date of XX/XX/XXXX n page 1 of the HELOC Agreement is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br> BUYER - GENERAL COMMENT (2025-06-09): Loan summary and checks<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains. RTC Expected transaction date vs actual disbursement of proceeds are the same.<br> BUYER - GENERAL COMMENT (2025-06-30): Appeal – See Notary Acknowledgment. This instrument was Acknowledged before me on. The borrower executed the ROR is dated as of the transaction date XX/XX/XXXX with the Disbursement date of XX/XX/XXXX . A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the date is made clear by the date the borrower received two copies of the notice explaining your right to rescind.<br> REVIEWER - GENERAL COMMENT (2025-06-30): The rescission rules under open-end credit plans allow the consumer to exercise their right to rescind until midnight of the third business day following the last occurrence of the following events:<br> 1. The date of the transaction; <br> 2. Delivery of the rescission notice; and <br> 3. Delivery of all material disclosures.<br> Under #1 above, this would represent the date the credit line was opened. While this would normally be evidenced by the signature of the HELOC Credit Agreement (i.e., the Note), the Credit Agreement does not indicate which date the document was signed. However, the Security Instrument does show the HELOC Mortgage was signed on XX/XX/XXXX s evidenced by the notary date. Given the Mortgage and HELOC Agreement (or Note) are normally signed together, our default testing relies on the Notary Date of the Security Instrument when the HELOC Agreement (or Note) does not evidence the specific date the document was signed. Given the Mortgage was signed on XX/XX/XXXX the rescission expiration date would be XX/XX/XXXX midnight of). The Expiration Date on the RTC shows XX/XX/XXXX hich does not appear to provide three business days from the latest of the three events. <br> Please provide evidence the Credit Line was opened on XX/XX/XXXX espite the fact the Mortgage and HELOC Agreement both appear to have been signed on XX/XX/XXXX Note the preprinted date of XX/XX/XXXX n page 1 of the HELOC Agreement is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br> BUYER - GENERAL COMMENT (2025-07-02): Rescission period start date: The three-day right of rescission period, established under the Truth in Lending Act (TILA), doesn't begin until after these three events have occurred: Signing of the credit contract (Promissory Note). Receipt of the TILA disclosure document (Closing Disclosure). Receipt of two copies of the notice explaining the right to rescind. The Acknowledgment that the borrower received 2 copies of the right to cancel is initialed and dated by the borrower XX/XX/XXXX .<br> REVIEWER - GENERAL COMMENT (2025-07-07): The rescission rules under open-end credit plans allow the consumer to exercise their right to rescind until midnight of the third business day following the last occurrence of the following events:<br> 1. The date of the transaction; <br> 2. Delivery of the rescission notice; and <br> 3. Delivery of all material disclosures.<br> Under #1 above, this would represent the date the credit line was opened. While this would normally be evidenced by the signature of the HELOC Credit Agreement (i.e., the Note), the Credit Agreement does not indicate which date the document was signed. However, the Security Instrument does show the HELOC Mortgage was signed on XX/XX/XXXX s evidenced by the notary date. Given the Mortgage and HELOC Agreement (or Note) are normally signed together, our default testing relies on the Notary Date of the Security Instrument when the HELOC Agreement (or Note) does not evidence the specific date the document was signed. Given the Mortgage was signed on XX/XX/XXXX the rescission expiration date would be XX/XX/XXXX midnight of). The Expiration Date on the RTC shows XX/XX/XXXX hich does not appear to provide three business days from the latest of the three events. <br> Please provide evidence the Credit Line was opened on XX/XX/XXXX espite the fact the Mortgage and HELOC Agreement both appear to have been signed on XX/XX/XXXX Note the preprinted date of XX/XX/XXXX n page 1 of the HELOC Agreement is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date. | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158540366 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Application / Processing - Flood Certificate Error: Certificate Number was not provided. |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (2025-06-14): XX/XX/XXXX Appeal. Please see XXXX doc # 0070 page 3 states: Prior to signing this Creditg Insurance Notice on XX/XX/XXXX , I read and understood all the provisions of this Disclosure.", the disbursement date. XX<br> REVIEWER - GENERAL COMMENT (2025-06-17): The referenced document does not include or mention a Disbursement date.<br> BUYER - GENERAL COMMENT (2025-07-09): XX/XX/XXXX Appeal. Please review the document - Disbursement Request & Authorization in XXXX doc # D0070. The Disbursement request is XX/XX/XXXX and borrower acknowledgement - under financial condition were date XX/XX/XXXX , the date of the authorization is identified. XX<br> BUYER - GENERAL COMMENT (2025-07-09): XX/XX/XXXX Please disregard appeal. XX<br> BUYER - GENERAL COMMENT (2025-06-08): XX/XX/XXXX Appeal. Initial loan application is received by mail on XX/XX/XXXX . This application is in XXXX Doc # 0076. XX<br> REVIEWER - GENERAL COMMENT (2025-06-12): Document is Broker initial application. Exception remains. |  |  |  | - B |
| XXXX |  |  | 3158540367 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-09): Appeal - See initial Rate and Current rate based on variable rate adjustments. Please advise what is needed additionally if this is not sufficient to clear condition.<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Unable to determine specific rate from origination. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540368 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158540375 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  | BUYER - GENERAL COMMENT (2025-07-08): See Title Search Report |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $243.46. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158540391 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158540397 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158540399 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| XXXX |  |  | 3158540414 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Application / Processing - Flood Certificate Error: Certificate Number was not provided. |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $247.26. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158540416 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158540440 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158540447 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for the compliance testing. | BUYER - GENERAL COMMENT (2025-06-14): XX/XX/XXXX Appeal. Please refer to HUD -1 in XXXX Doc # XXXX. The HUD indicated disbursement date of XX/XX/XXXX . XX<br> REVIEWER - GENERAL COMMENT (2025-06-16): The exception remains as the correct, signed Final HUD is doc #XXXX which does not include a DD. |  |  |  | - B |
| XXXX |  |  | 3158540450 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158540451 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158540466 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| XXXX |  |  | 3158540473 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540483 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540488 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-09): TIL and disbursement checks<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains. The disbursement date should come from page one of the HUD. When page one is missing this information, we look for evidence of funding from the settlement agent. If none found, our system will use the "Interest From" date to be able to run compliance and will also generate a level 2 exception. Unable to determine Funding Worksheet from the settlement agent.<br> BUYER - GENERAL COMMENT (2025-06-09): origination appraisal<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br> BUYER - GENERAL COMMENT (2025-06-09): TIL and disbursement<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains. The disbursement date should come from page one of the HUD. When page one is missing this information, we look for evidence of funding from the settlement agent. If none found, our system will use the "Interest From" date to be able to run compliance and will also generate a level 2 exception. Unable to determine Funding Worksheet from the settlement agent. | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158540495 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540508 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-28): Appeal. Document showing detached. Please see page 105 XXXXX in XXXXXX - XXX<br> REVIEWER - GENERAL COMMENT (2025-07-03): Referenced XXXXXXX ot list a property type. 'Detached' is the garage. Additionally, it is not dated at the time of origination. Exception remains. |  |  |  | - B |
| XXXX |  |  | 3158540519 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158540524 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158540532 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $70.16. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not include Abstract or title Search XX/XX/XXXX 5.00 and Flood Determination XX/XX/XXXX .00. |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158540541 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158540568 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  | BUYER - GENERAL COMMENT (2025-06-12): Per the Promise to Pay section, interest does not begin until the business day following the midnight expiration of the rescission period: XX/XX/XXXX s identified as the day the loan will fund and the borrow<br> BUYER - GENERAL COMMENT (2025-06-12): Per the Promise to Pay section, interest does not begin until the business day following the midnight expiration of the rescission period: XX/XX/XXXX s identified as the day the loan<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Unable to determine prior lender.<br> BUYER - GENERAL COMMENT (2025-06-06): ABA<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains, missing initial lenders application to determine.<br> BUYER - GENERAL COMMENT (2025-06-08): Per the Promise to Pay section, interest does not begin until the business day following the midnight expiration of the rescission period: XX/XX/XXXX s identified as the day the loan will fund and the borrower is obligated to the repayment as disclosed.<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains, RTC expiration date states XX/XX/XXXX . | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158540573 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] State Compliance - Illinois Late Charge Percent Testing: Illinois Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 5%.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-08): Appeal - Initial Loan application date verification.<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains, application date must be on form produced by lender with lenders name. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540578 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Insurance Documentation - Flood Insurance Error: Coverage amount was not provided.<br> [3] Insurance Documentation - Flood Insurance Error: Insurance premium was not provided. |  |  |  |  |  | 2 | [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $0.00 is underdisclosed from HUD Finance Charge of $1,115.00 in the amount of $1,115.00.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | BUYER - GENERAL COMMENT (2025-06-03): Appeal – The subject transaction was a no cost HELOC, borrower paid Broker out of proceeds and closing costs were not paid by borrower as reflected on the LAS Report. See final HUD, Borrower received $XX,XXX.XX after deduction for Broker of $785.00 for a total to match the loan amount of $XX,XXX.XX. The transaction was not subject to finance charges.<br> REVIEWER - GENERAL COMMENT (2025-06-05): Exception remain, Broker fee in the amount of 785 not disclosed on HELOC agreement. | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Liability for violations cannot be transferred to a subsequent purchaser of a loan.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158540583 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] State Compliance - Indiana Late Charge Amount Testing: Indiana Late Charge: Note late charge amount of $XX exceeds the state maximum of $17.00.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540599 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540627 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158540637 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Mortgagor's Statement # 2 Borrower has received the notices and information Borrower is entitled to receive under the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required.<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-03): Appeal - A Good Faith Estimate (GFE) is not required for Home Equity Lines of Credit (HELOCs). HELOCs were exempt from the requirements of RESPA (Real Estate Settlement Procedures Act) and thus do not require a GFE. Instead, HELOCs are subject to Regulation Z (Truth in Lending).<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158540648 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158540649 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158540654 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158540667 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower at application.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower at application.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-05): origination appraisal<br> REVIEWER - GENERAL COMMENT (2025-06-09): Exception remains, appraisal provided is not for subject property. | Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158540668 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-17): XX/XX/XXXX Appeal. Please refer to XXXX XXXX, Boarding Data Sheet Collateral Summary, which refers to - flood section , map #, map date, community, and the flood cert date of XX/XX/XXXX which is also the origination date. XX<br> BUYER - GENERAL COMMENT (2025-06-17): Appeal – Please see attached and in XXXX doc XXXX. Please refer to the Collateral Summary of the Boarding Data Sheet which reflected the map date XX/XX/XXXX), map # XXXX, flood section (not in flood area), and flood notice date of the flood cert at time of origination XX/XX/XXXX supporting not in flood zone. XX<br> REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2025-06-17): Flood certificate was not provided. The collateral summary only reflects that it is not in a flood zone. |  |  |  | 2 | [2] State Compliance - Kansas Prepayment Penalty: Kansas Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 6 months. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158540674 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Mortgagor's Statement # 2 Borrower has received the notices and information Borrower is entitled to receive under the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required.<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (2025-06-03): Appeal - A Good Faith Estimate (GFE) is not required for Home Equity Lines of Credit (HELOCs). HELOCs were exempt from the requirements of RESPA (Real Estate Settlement Procedures Act) and thus do not require a GFE. Instead, HELOCs are subject to Regulation Z (Truth in Lending).<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action |  |  |  | - B |
| XXXX |  |  | 3158540681 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-08): Property Type<br> REVIEWER - GENERAL COMMENT (2025-06-11): Exception remains, Unable to determine specific property type at origination. |  |  |  | - B |
| XXXX |  |  | 3158540692 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Massachusetts Open End Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540696 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158540702 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX .<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158540713 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance UTD |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540775 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  | BUYER - GENERAL COMMENT (2025-06-12): 6-12-25 APPEAL, Please review Boarding Data Sheet DOC ID XXXX, for the application date. /dp<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Document referenced is missing application date.<br> BUYER - GENERAL COMMENT (2025-06-12): 6-12-25 APPEAL, Please review Property Report DOC ID 1980 for property type as condo. Also see attached Title search, legal description identifies as condo. /dp<br> REVIEWER - GENERAL COMMENT (2025-06-13): Please provide Appraisal from origination. | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158540780 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158540786 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158540850 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance UTD |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Ohio Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-17): XX/XX/XXXX appeal: Late fees for Ohio shows "as agreed" for bank originated loans. The lender for this loan is XXXXXX. Licensed lender originated loans are greater of 5% or $15 with 10 day grace period. XX<br> REVIEWER - GENERAL COMMENT (2025-06-20): Exception remains, The Ohio late charge limitation cited in exception 22054 applied to "registrants", which was defined as "a person to whom one or more certificates of registration have been issued under sections 1321.51 to 1321.60 of the Revised Code". The exemption for banks applied to sections 1321.01 to 1321.19 and the late charge limitation was cited under 1321.57 and 1321.58.<br>Based on review of the Ohio Code, it is unclear whether the late charge limitation under Ohio Rev. Code § 1321.58(C)(3) would have been applicable to the lender and subject loan at the time of origination. Note the exception is graded EV2-B.<br>Please provide an attestation from the lender stating that they did not have any certificates of registration issued to them at the time this loan was originated and were not subject to any of the requirements under Ohio Rev. Code § 1321 for further review.<br>Citations: Ohio Rev. Code § 1321.57(L) and Ohio Rev. Code § 1321.58(C)(3)<br> Ohio Rev. Code § 1321.57(L) Computation of Interest<br> (L) If the loan contract so provides, a registrant may collect a default charge on any installment not paid in full within ten days after its due date. For this purpose, all installments are considered paid in the order in which they become due. Any amounts applied to an outstanding loan balance as a result of voluntary release of a security interest, sale of security on the loan, or cancellation of insurance shall be considered payments on the loan, unless the parties otherwise agree in writing at the time the amounts are applied. The amount of the default charge shall not exceed the greater of five per cent of the scheduled installment or fifteen dollars.<br> Ohio Rev. Code § 1321.58(C)(3) Open-end loans by registrant - interest - charges<br> (3) A default charge on any required minimum payment not paid in full within ten days after its due date. For this purpose, all required minimum payments are considered paid in the order in which they become due. The amount of the default charge shall not exceed the greater of five per cent of the required minimum payment or fifteen dollars. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540857 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540864 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX - Appeal. Found document showing property type that says subject property is 1-4 family . Please refer to Page 384 XXXXX in XXXXXX - XXX<br> REVIEWER - GENERAL COMMENT (2025-06-16): Referenced XXXXXXX ot specify type of property, ie: SFR detached/attached/PUD, etc. Missing Appraisal from origination. |  |  |  | - B |
| XXXX |  |  | 3158540872 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158540877 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540883 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $1,815.00 is underdisclosed from HUD Finance Charge of $1,819.50 in the amount of XX/XX/XXXX Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX Appeal. The under disclosed amount of $4.50 is below the tolerance threshold of $35 for refinances. LL<br> REVIEWER - GENERAL COMMENT (2025-06-16): Exception remains, Flood cert not included on HELOC agreement.<br> BUYER - GENERAL COMMENT (2025-07-09): XX/XX/XXXX : Appeal. Please re-review the appeal. Undisclosed amount of flood cert is XX/XX/XXXX tolerance for the loan is up to $35. This exception type had been appealed successfully before. Please review or escalate. XX<br> BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX Appeal. Please clarify what is needed. Unable to determine if exception is informational only; unable to determine what is the issue. XX<br> REVIEWER - GENERAL COMMENT (2025-06-16): Exception remains, HELOC agreement did not reflect a flood cert fee and HUD did include a Flood cert fee.<br> BUYER - GENERAL COMMENT (2025-07-09): XX/XX/XXXX : Appeal. Please re-review the appeal. Undisclosed amount of flood cert is XX/XX/XXXX tolerance for the loan is up to $35. This exception type had been appealed successfully before. Please review or escalate. XX | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Liability for violations cannot be transferred to a subsequent purchaser of a loan.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158540908 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158540918 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540925 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-07): 6.7.25 Appeal per HUD AMC XXXXXXX XXXX paid off XXXX, XXXXXXX shows RTC H8 form for different lender. Kindly review rescind.XX.<br> REVIEWER - GENERAL COMMENT (2025-06-11): Exception remains, unable to determine prior transaction originator. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540945 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540946 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  | BUYER - GENERAL COMMENT (2025-06-08): The subject loan did not require a title policy at the time of origination. Please see the attached supporting docs.<br> BUYER - GENERAL COMMENT (2025-06-08): Title Search<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Final title required on first lien mortgage.<br> BUYER - GENERAL COMMENT (2025-06-16): The Real Estate Settlement Procedures Act (RESPA) does not require a title policy on a Home Equity Line of Credit (HELOC) when it's the first mortgage. RESPA primarily applies to "federally related mortgage loans," which generally include first mortgages used to purchase or refinance a one to four family residential property<br> REVIEWER - GENERAL COMMENT (2025-06-18): Exception remains, Final title required on first lien mortgage.<br> BUYER - GENERAL COMMENT (2025-07-10): Appeal: Legal & Vesting Report/title search provided, escalate to XXXX |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158540958 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540970 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-12): 6.12.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required.<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, subject loan is not a HELOC. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540971 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158540977 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] State Compliance - Illinois Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] State Compliance - Illinois Prepayment Penalty: Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158540985 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $2,880.00 is underdisclosed from HUD Finance Charge of $2,884.50 in the amount of XX/XX/XXXX Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (2025-06-10): XX/XX/XXXX Appeal: Finance charges underdisclosed by the $4.50 flood cert. fee, however not an issue due to less than the $100 finance tolerance.XX<br> REVIEWER - GENERAL COMMENT (2025-06-16): Exception remains, HELOC finance charges under disclosed.<br> BUYER - GENERAL COMMENT (2025-06-10): XX/XX/XXXX Appeal: Closing costs on page 5 of the HELOC agreement match closing costs on the HUD1 with the exception of the $4.5 flood cert fee. The only variance between the documents are payoffs in the 1300s. Note: Unsecured payoffs, like personal loans or credit card debts, are typically not classified as closing costs under the RESPA. Closing costs are specifically related to expenses directly associated with the real estate transaction. However not an issue due to less than the $100 finance tolerance.XX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains. Fees on HUD exceed fees on page 5 of HELOC. |  |  |  | - B |
| XXXX |  |  | 3158540995 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158541005 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] State Compliance - New York Prepayment Penalty: New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of X.XX% contracts for a prepay term of XX months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541016 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $139.99. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. | BUYER - GENERAL COMMENT (2025-06-12): 6/12-Appeal: Please refer to exception ID #XXXXXX and rescind. XX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, under disclosure caused by interest type.<br> BUYER - GENERAL COMMENT (2025-06-26): 6/26-Note interest type is a fixed rate please explain why that is the reason for underdisclosure. XX<br> REVIEWER - GENERAL COMMENT (2025-07-02): Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate calculation on the loan. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158541017 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-09): Based on review of the Mortgagors Statement a TPOL was not required. The HUD-1 also shows a charge of an Abstract Title Search.<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains, final title required for 1st lien mortgage.<br> BUYER - GENERAL COMMENT (2025-06-12): 6.12.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required.<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, subject loan is not a HELOC. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541022 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] State Compliance - Michigan Late Charge Percent and Amount Testing: Michigan Late Charge: Note late charge of $XX exceeds state maximum of 5% or $15, whichever is greater.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541023 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541025 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541037 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Investment | UTD UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] State Compliance - Illinois Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541041 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $266.50. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization does not include the Flood Certification XX/XX/XXXX .00 or Settlement Fee XX/XX/XXXX 65.00 as a prepaid finance charge. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158541069 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-07-02): XX/XX/XXXX Appeal: Please find attached title work from origination. A final title policy was not required. XX<br> REVIEWER - GENERAL COMMENT (2025-07-03): Exception remains. Final Title policy required for 1st lien transactions.<br> BUYER - GENERAL COMMENT (2025-07-09): Appeal: Please escalate/discuss with XXXX XXXX. |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541077 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541085 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided |  | BUYER - GENERAL COMMENT (2025-06-18): HELOC - title not required<br> REVIEWER - GENERAL COMMENT (2025-06-19): This HELOC is a 1st position lien - Title required. |  |  |  | 2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541089 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-16): Uploaded MSP showing Flood Policy Number. Please Review.<br> REVIEWER - GENERAL COMMENT (2025-06-17): Doc uploaded is related to insurance, not Flood Cert. |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541092 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $169.69. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Itemization did not disclose $150 settlement fee Title courier fee $15 and $7 Flood Certification (Life of Loan) as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158541103 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $244.30. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158541105 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-13): Please review D0056.<br> REVIEWER - GENERAL COMMENT (2025-06-13): Please provide Flood Cert from origination. |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-13): Please review XXXXX Sub type showing for property type.<br> REVIEWER - GENERAL COMMENT (2025-06-13): Please provide Appraisal from origination. |  |  |  | - B |
| XXXX |  |  | 3158541106 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541110 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-13): XXXXX Showing a Sub type 1-4 Family. Please review<br> REVIEWER - GENERAL COMMENT (2025-06-13): Please provide Appraisal from origination. |  |  |  | - B |
| XXXX |  |  | 3158541111 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541141 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541142 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $6,884.40. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Note indicates the Index used was X.XX%. The closest Index available in our look-back period is X.XX%. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158541148 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541149 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Illinois Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] State Compliance - Illinois Prepayment Penalty: Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-02): Please confirm this restriction applies to HELOC's and if so, provide the specific statute.<br> REVIEWER - GENERAL COMMENT (2025-06-02): Exception remains, 815 Ill. Comp. Stat. 205/4(2)(a) states that "(2) Except for loans described in subparagraph (a), (c), (d), (e), (f) or of subsection (1) of this Section, and except to the extent permitted by the applicable statute for loans made pursuant to Section 4a or pursuant to the Consumer Installment Loan Act: (a) Whenever the rate of interest exceeds an annual percentage rate of 8% on any written contract, agreement or bond for deed providing for the installment purchase of residential real estate, or on any loan secured by a mortgage on residential real estate, it shall be unlawful to provide for a prepayment penalty or other charge for prepayment." Our current guidance from outside counsel is that since it is unclear under state law how to measure the 8% threshold on an ARM loan and until further guidance is available, the conservative position is that prepayment penalties are prohibited if the APR, calculated using the maximum interest rate chargeable under the loan documents, exceeds 8%. The maximum interest rate chargeable under the loan documents on this loan is XX%.<br> The loans described in subsection (1) subparagraph (a), (c), (d), (e), (f), or are the below. There is no exemption for HELOCs.<br> (a) Any loan made to a corporation;<br> (c) Any credit transaction between a merchandise wholesaler and retailer; any business loan to a business association or copartnership or to a person owning and operating a business as sole proprietor or to any persons owning and operating a business as joint venturers, joint tenants or tenants in common, or to any limited partnership, or to any trustee owning and operating a business or whose beneficiaries own and operate a business, except that any loan which is secured (1) by an assignment of an individual obligor's salary, wages, commissions or other compensation for services, or (2) by his household furniture or other goods used for his personal, family or household purposes shall be deemed not to be a loan within the meaning of this subsection; and provided further that a loan which otherwise qualifies as a business loan within the meaning of this subsection shall not be deemed as not so qualifying because of the inclusion, with other security consisting of business assets of any such obligor, of real estate occupied by an individual obligor solely as his residence. The term "business" shall be deemed to mean a commercial, agricultural or industrial enterprise which is carried on for the purpose of investment or profit, but shall not be deemed to mean the ownership or maintenance of real estate occupied by an individual obligor solely as his residence;<br> (d) Any loan made in accordance with the provisions of Subchapter I of Chapter 13 of Title 12 of the United States Code, which is designated as "Housing Renovation and Modernization";<br> (e) Any mortgage loan insured or upon which a commitment to insure has been issued under the provisions of the National Housing Act, Chapter 13 of Title 12 of the United States Code;<br> (f) Any mortgage loan guaranteed or upon which a commitment to guaranty has been issued under the provisions of the Veterans' Benefits Act, Subchapter II of Chapter 37 of Title 38 of the United States Code;<br> Any loan made, guaranteed, or insured in accordance with the provisions of the Housing Act of 1949, Subchapter III of Chapter 8A of Title 42 of the United States Code and the Consolidated Farm and Rural Development Act, Subchapters I, II, and III of Chapter 50 of Title 7 of the United States Code;<br> (j) Any loan by an employee pension benefit plan, as defined in Section 3 (2) of the Employee Retirement Income Security Act of 1974 (29 U.S.C.A. Sec. 1002), to an individual participating in such plan, provided that such loan satisfies the prohibited transaction exemption requirements of Section 408 (b) (1) (29 U.S.C.A. Sec. 1108 (b) (1)) or Section 2003 (a) (26 U.S.C.A. Sec. 4975 (d) (1)) of the Employee Retirement Income Security Act of 1974;<br> (k) Written contracts, agreements or bonds for deed providing for installment purchase of real estate, including a manufactured home as defined in subdivision (53) of Section 9-102 of the Uniform Commercial Code that is real property as defined in the Conveyance and Encumbrance of Manufactured Homes as Real Property and Severance Act;<br> (l) Loans secured by a mortgage on real estate, including a manufactured home as defined in subdivision (53) of Section 9-102 of the Uniform Commercial Code that is real property as defined in the Conveyance and Encumbrance of Manufactured Homes as Real Property and Severance Act;<br> (m) Loans made by a sole proprietorship, partnership, or corporation to an employee or to a person who has been offered employment by such sole proprietorship, partnership, or corporation made for the sole purpose of transferring an employee or person who has been offered employment to another office maintained and operated by the same sole proprietorship, partnership, or corporation;<br> Loans to or for the benefit of students made by an institution of higher education. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541155 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541161 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] State Compliance - New York Prepayment Penalty: New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of X.XX% contracts for a prepay term of XX months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541179 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541189 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541194 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541195 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-12): 6-12-25 APPEAL, Please review the Property Report DOC ID XXXX. The HUD, DOC ID XXXX, reflects that a title policy was not obtained. /XX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Document required. |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-12): 6-12-25 APPEAL, Please review the Property Report DOC ID 0093 for property type. /dp<br> REVIEWER - GENERAL COMMENT (2025-06-13): Please provide Appraisal from origination. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541227 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Title / Lien Defect - (Doc Error) Loan was portrayed as first lien but found to be a second lien<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Pennsylvania Subordinate Lien Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information. |  | BUYER - GENERAL COMMENT (2025-07-07): Appeal. Please refer to Exception ID 33526081 and Exception ID XXXXXXX. Disclosure on pages 75-79 XXXXX and application on pages 63-65 XXXXX in XXXXXX. - XXXX<br> REVIEWER - GENERAL COMMENT (2025-07-07): Document is not dated therefore it cannot be determined if timing requirements were met. Exception remains.<br> BUYER - GENERAL COMMENT (2025-07-07): Appeal. Please see Uniform Residential Loan Application on pages 63-65 XXXXX in XXXXXX, document was signed and dated by the borrower and broker (Advantage Lending) on XX/XX/XXXX . - XXX<br> REVIEWER - GENERAL COMMENT (2025-07-07): This exception is referring to the Initial Lender 1003 which is missing. | Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158541235 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541236 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541247 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541248 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $0.00 is underdisclosed from HUD Finance Charge of $747.50 in the amount of $747.50.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] State Compliance - Illinois Prepayment Penalty: Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of XX.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158541261 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $271.33. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose Flood certification (Life of loan) of $8 and Settlement Fee of $265 as prepaid finance charges. | BUYER - GENERAL COMMENT (2025-06-10): Appeal – See page 2 of the Property Search Report, Tax Information, Property Type RSFR, also See Alternative Valuation - Exterior Report, Property Type S, Style Ranch, Residential.<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Unable to determine specific property type at origination. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158541263 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Mortgagor's Statement # 2 Borrower has received the notices and information Borrower is entitled to receive under the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required.<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $203.51. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. | BUYER - GENERAL COMMENT (2025-06-03): Appeal - A Good Faith Estimate (GFE) is not required for Home Equity Lines of Credit (HELOCs). HELOCs were exempt from the requirements of RESPA (Real Estate Settlement Procedures Act) and thus do not require a GFE. Instead, HELOCs are subject to Regulation Z (Truth in Lending).<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action<br> BUYER - GENERAL COMMENT (2025-06-02): Appeal: Please see XXXXX showing borrower to pay title insurance. All other fees were lender paid and therefore the closing fee is not considered a PPFC.<br> REVIEWER - GENERAL COMMENT (2025-06-02): Exception remains. Closing fee POC does not list Payor<br> BUYER - GENERAL COMMENT (2025-06-03): Appeal: Please also see XXXXX for the borrower charges. As the decision detail required and the HUD confirms the borrower paid the title policy. No other fees were paid by the borrower (financed or cash).<br> REVIEWER - GENERAL COMMENT (2025-06-05): Exception remains, Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the flood fee, origination fee, or settlement/closing fee. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158541264 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158541313 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541320 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Late Charge Percent Testing: New York Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%.<br> [2] State Compliance - New York Prepayment Penalty: New York Prepayment Penalty: A prepayment penalty is not permissible on an adjustable rate loan less than $250,000 and an introductory period less than 5 years. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | - B |
| XXXX |  |  | 3158541329 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541339 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | UTD UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] State Compliance - Illinois Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541343 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158541349 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - Illinois Prepayment Penalty: Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541351 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] State Compliance - Wisconsin Late Charge Amount Testing First Lien: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] State Compliance - Wisconsin Prepayment Penalty ARM Test: Wisconsin Prepayment Penalty: Adjustable rate loan containing prepayment penalty did not provide disclosure stating that there are also loans available without prepayment penalties. |  | BUYER - GENERAL COMMENT (2025-06-24): 06-24-2025 Appeal. Subject is JPMC HELOC 1st. HELOCs are not governed/subject to by RESPA requirements. XX<br> REVIEWER - GENERAL COMMENT (2025-06-26): Exception remains, missing initial lenders application.<br> BUYER - GENERAL COMMENT (2025-06-24): 06-24-2025 Appeal. Subject is JPMC HELOC 1st. HELOCs are not governed/subject to by RESPA requirements. XX<br> REVIEWER - GENERAL COMMENT (2025-06-26): Exception remains, missing initial application to determine. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541367 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX - Appeal. Final 1003 not applicable on HELOCs.-XXX<br> REVIEWER - GENERAL COMMENT (2025-06-16): Promissory Note is not a line of credit. Exception remains. Missing Final Loan Application from Origination. |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158541369 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | UTD UTD |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541372 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541379 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541380 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541383 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | UTD UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (2025-06-12): 6-12-25 APPEAL, Loan, it is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required. /dp<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains. Initial application date not provided |  |  |  | - B |
| XXXX |  |  | 3158541395 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541397 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541403 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.<br> [2] State Compliance - Wisconsin Late Charge Amount Testing First Lien: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] State Compliance - Wisconsin Prepayment Penalty ARM Test: Wisconsin Prepayment Penalty: Adjustable rate loan containing prepayment penalty did not provide disclosure stating that there are also loans available without prepayment penalties. |  | BUYER - GENERAL COMMENT (2025-06-13): Appeal. Found document showing property type that says subject property is 1-4 family . Please refer to page 386 XXXXX in XXXXXX- XXX<br> REVIEWER - GENERAL COMMENT (2025-06-16): Referenced XXXXXXX ot specify type of property, ie: SFR detached/attached/PUD, etc. Missing Appraisal from origination. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541406 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158541408 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-27): XX/XX/XXXX appeal. As per document HELOC documents were received by borrower. Please refer to page #3491 XXXX<br> REVIEWER - GENERAL COMMENT (2025-07-02): Exception remains, document referenced does not mention HELOC brochure.<br> BUYER - GENERAL COMMENT (2025-06-27): XX/XX/XXXX appeal. As per document HELOC documents were received by borrower. Please refer to page #3491 XXXX<br> REVIEWER - GENERAL COMMENT (2025-07-02): Exception remains, document referenced does not mention HELOC important terms disclosure. | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541416 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541433 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $217.53. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158541443 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided |  | BUYER - GENERAL COMMENT (2025-06-06): The subject transaction dated XX/XX/XXXX , is covered under the original mortgage recorded on XX/XX/XXXX , due to the open-end clause allowing for additional borrowing (up to $1,000,000 as referenced on page 1/ Terms and Conditions) without a new mortgage. The "Acknowledgment of Existing Multiple Indebtedness Mortgage" (D0337) references both transactions, confirming the continuity of the financial arrangement. The transaction should be recognized as an extension of the original mortgage, preserving the priority of the lender's lien.<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains, missing mortgage from XX/XX/XXXX from loan file. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541444 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-10): 6.10.25 Appeal. A Final 1003 is not required for a HELOC transaction. Please review and rescind. XX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, subject transaction is not a HELOC. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541457 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-11): Appeal. Found 2 documents for disbursement date - kindly refer to Doc ID XXXXX and page 353 XXXX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Disbursement date not provided. |  |  |  | - B |
| XXXX |  |  | 3158541462 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  | BUYER - GENERAL COMMENT (2025-06-18): loan was a HELOC - title not required<br> REVIEWER - GENERAL COMMENT (2025-06-19): HELOC is a 1st position lien - Title required. |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158541481 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541491 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-17): Uploaded Cert number from MSP. Please review.<br> REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2025-06-17): Document provided is a loan number rather than the cert number.<br> BUYER - GENERAL COMMENT (2025-07-05): Flood Zone<br> REVIEWER - GENERAL COMMENT (2025-07-07): This exception is for the Flood Cert from origination not the flood zone. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $82.42. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose Flood Certification Fee $7, Loan Origination fee $75 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158541539 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541542 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541552 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541570 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - California Primary Residence Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-17): Appeal - A Prepayment Penalty is a fee charged by the Lender if the loan is paid off before the agreed upon term ends, designed to compensate Lenders for lost income if the loan is paid off early. Where a fee to close an account is a fee to cover the costs associated with setting up an account. California allows for HELOC cancelation fees. See page 4 of the HELOC Agreement, the fee the lesser of XX% of the Credit Line or $XXX, within 3 years of the HELOC Agreement date.<br> REVIEWER - GENERAL COMMENT (2025-06-19): Exception is not a PPP. Exception remains. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541572 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158541590 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541592 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541604 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-17): XX/XX/XXXX appeal – Please see attached. Please refer to the Collateral Summary of the Boarding Data Sheet which reflected the map date, map #, flood section (not in flood area), and flood notice date of the flood cert at time of origination supporting not in flood zone. XX<br> REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2025-06-17): Document provided is not a flood certificate |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (2025-06-11): Appeal. 1003 found in XXXX. Please refer to XXXXX XXXX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Document referenced is Broker initial application. Exception remains. |  |  |  | - B |
| XXXX |  |  | 3158541616 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Ohio Late Charge Percent and Amount Testing: Ohio Late Charge: Note late charge of $XX exceeds state maximum of 5% or $15, whichever is greater.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541619 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541621 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541642 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541646 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541665 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541667 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |  | BUYER - GENERAL COMMENT (2025-06-05): See senior lien note attached.<br> REVIEWER - GENERAL COMMENT (2025-06-09): Exception remains, Note provided is Post origination.<br> BUYER - GENERAL COMMENT (2025-06-09): XXXXX originated both the XX/XX/XXXX & XX/XX/XXXX line of credit. The XXXX loan was placed in the first lien position as the primary mortgage, giving it priority over the XXXX line of credit. This arrangement is typical in lending, ensuring the primary mortgage is prioritized in any property sale or foreclosure.<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Note provided is Post origination.<br> BUYER - GENERAL COMMENT (2025-07-02): Please escalate this to management. Attached note is the senior lien.<br> REVIEWER - GENERAL COMMENT (2025-07-08): Exception remains. At the time of origination there was evidence of a XXXX line of crediton the property. This is the Note needed. Anything after this loan was originated would not be available when reviewing the subject loan for approval or funding. |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541674 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - North Carolina First Lien Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-16): 6.16.25 Appeal. Please see attached initial loan application with a date of XX/XX/XXXX. The initial application was done via the internet and is confirmed as reflected on the final 1003 in file. Please review and rescind. XX<br> REVIEWER - GENERAL COMMENT (2025-06-17): Attached document is a final 1003 dated XX/XX/XXXX BUYER - GENERAL COMMENT (2025-06-18): Appeal – The subject transaction is for a HELOC or open-end line amount greater than the state minimum allowing for the late fee to be paid as agreed on a lender originated loan.<br> REVIEWER - GENERAL COMMENT (2025-06-23): Exception remains, The late charge limitation under N.C. Gen. Stat. § 24-10.1(c) limits the late charge to four percent (4%) of the amount of the payment past due.<br>As a result of the HELOC Agreement not having a stated P&I, we are unable to determine what 4% of the amount of the payment past due would be equivalent to. Therefore, while the HELOC Agreement contracts for a $25 late charge, depending on how high the payment is, it may or may not be permissible – thus the "unable to determine" language in the exception detail. | Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158541678 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541699 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $195.35. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Missing lender amortization schedule. and TIL Itemization disclose Loan Origination Fee of $75 Flood Determination Fee of $5.50 and Settlement or Closing Fee of $115 as prepaid finance charge. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158541714 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158541725 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  | BUYER - GENERAL COMMENT (2025-06-17): 6.17.25 Appeal. Please see attached the HELOC Disclosure for the subject loan as requested. Please review and rescind. XX<br> REVIEWER - GENERAL COMMENT (2025-06-18): Exception remains, missing HELOC brochure from loan file.<br> BUYER - GENERAL COMMENT (2025-06-30): XX/XX/XXXX Appeal. Please see attached Heloc Disclosure(Brochure). XX<br> REVIEWER - GENERAL COMMENT (2025-07-07): Exception remains, missing HELOC brochure from loan file.<br> BUYER - GENERAL COMMENT (2025-06-17): 6.17.25 Appeal. This is a HELOC that closed on XX/XX/XXXX iao $XXX, subsequently customer requested increase in line closing on XX/XX/XXXX iao $XXX, and requested another increase in line closing on XX/XX/XXXX iao $XXX. Enclosed are the respective HELOC Agreements along with Loan Closing Summaries, and Itemizations to the TIL. Please re-review and rescind. XX<br> BUYER - GENERAL COMMENT (2025-06-17): See above.<br> REVIEWER - GENERAL COMMENT (2025-06-19): Any details outside of the origination loan in review is irrelevant. The fees listed on the HELOC differ from the amount of fees listed on HUD. | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158541726 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance UTD |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Illinois Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] State Compliance - Illinois Prepayment Penalty: Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-18): Appeal - A Prepayment Penalty is a fee charged by the Lender if the loan is paid off before the agreed upon term ends, designed to compensate Lenders for lost income if the loan is paid off early. Where a fee to close an account is a fee to cover the costs associated with setting up an account. In Illinois ACT 90-0561, on HELOCs allows a cancelation fee if it does not exceed $500.00. See page 4 of the HELOC Agreement, the fee the lesser of XX% of the Credit Line or $XXX. This amount remains below the Illinois limit of $XXX allowed on a HELOC.<br> REVIEWER - GENERAL COMMENT (2025-06-23): Exception remains, The IL prepay exception was cited due to the rate exceeding 8% and the loan including a prepayment penalty. The citation for this is: 815 Ill. Comp. Stat. 205/4(2)(a): Whenever the rate of interest exceeds an annual percentage rate of 8% on any written contract, agreement or bond for deed providing for the installment purchase of residential real estate, or on any loan secured by a mortgage on residential real estate, it shall be unlawful to provide for a prepayment penalty or other charge for prepayment.<br>In reference to the question of considering the cancellation fee a prepayment penalty, we have discussed this previously and we did not find sufficient basis to clear as there is ambiguity in whether a cancellation fee could be considered a prepayment penalty under the Interest Act, particularly in instances when a cancellation would result in total indebtedness requiring to be paid in full upon cancellation. If they are able to supply legal opinion or reg support that a cancellation fee would not be a prepayment penalty under the Interest Act or documentation to support bank or other exemption from the Act, we can review further. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541739 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541741 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Missing: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone.<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-07-01): Please see attached Agreement to Provide Insurance stating the property was not in flood zone at the time ocind. XX<br> REVIEWER - GENERAL COMMENT (2025-07-08): Exception remains. Evidence property is in a Flood Zone AE provided with no mapping change since XXXX. Notice provided to customer states property is not in a flood zone contradicts the zoning.<br> BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX Appeal. Please see attached Disbursement Request and Authorization form and XXXX XXX Servicing screen which includes a statement on Flood Insurance including the flood map and date and that the subject is NOT in a flood zone. The servicing screen shows the Zone is X and that the mapping has not changed since XXXX. CG<br> REVIEWER - GENERAL COMMENT (2025-06-16): Please rereview your submitted docs as the flood zone is not X. It is AE which is designated as flood ins required. | Federal Compliance - Notice of Special Flood Hazard Disclosure Missing: Liability for violations cannot be transferred to a subsequent purchaser of a loan. |  |  | - B |
| XXXX |  |  | 3158541745 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541748 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  | BUYER - GENERAL COMMENT (2025-06-16): Appeal Please see the attached document. XX<br> REVIEWER - GENERAL COMMENT (2025-06-18): Doc received is not a Final Title - dated XX/XX & loan is executed XX/XX. Additionally, does not have the appropriate coverage amount. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541756 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] State Compliance - New York Prepayment Penalty: New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of XX.XX% contracts for a prepay term of XX months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-18): Appeal - A Prepayment Penalty is a fee charged by the Lender if the loan is paid off before the agreed upon term ends, designed to compensate Lenders for lost income if the loan is paid off early. Where a fee to close an account is a fee to cover the costs associated with setting up an account. New York allows HELOC allows for a lender to charge a cancelation fee during the initial draw period.<br> REVIEWER - GENERAL COMMENT (2025-06-20): Exception remains, The 12 month prepayment penalty period violation is a state prepayment penalty restriction which we test for under N.Y. Gen. Oblig. Law § 5-501(3)(b). There are also prepayment penalty limitations specific to adjustable rate loans found in N.Y. Comp. Code. R. & Regs. tit. 3, §§ 82.1(a) and 82.7. <br>N.Y. Comp. Code. R. & Regs. tit. 3, §§ 82.1(a), 82.7<br> In addition to the requirements set forth in section 5-501(3)(b) of the General Obligations Law which limit prepayment penalties to the first year of a mortgage loan, no prepayment penalty may be taken for any mortgage loan made pursuant to this Part unless, according to the provisions of the note and mortgage, the interest rate for the loan shall remain fixed for a period of at least five years, the loan contract provides for a prepayment penalty and the mortgage broker, mortgage banker and/or exempt organization complies with the provisions of sections 38.2, 38.3 and 38.4 of this Title which pertain to prepayment penalties.<br>N.Y. Gen. Oblig. Law § 5-501(3)(b)<br> Notwithstanding any other provision of law, the unpaid balance of the loan or forbearance may be prepaid, in whole or in part, at any time. If prepayment is made on or after one year from the date the loan or forbearance is made, no penalty may be imposed. If prepayment is made prior to such time, no penalty may be imposed unless provision therefor is expressly made in the loan contract, provided that no penalty may be imposed if prohibited by sections six-l and six-m of the banking law. In all cases, the right of prepayment shall be stated in the instrument evidencing the loan or forbearance, provided, however, that the provisions of this subdivision shall not apply to the extent such provisions are inconsistent with any federal law or regulation.<br>The HELOC Agreement for the subject loan states that if the credit line is cancelled in the first XX months, the borrower will be charged a cancellation fee equal to 1% of the original line amount or $1,000, whichever is greater, plus an additional fee of $1,460.88 to reimburse the lender for any recording fee, documentary stamp, intangible tax, or similar fee that lender incurred in connection with the recording of the security instrument. The HELOC Agreement also states that if the Credit Line is terminated or cancelled, then the entire outstanding balance may be required to be paid to the lender.<br>Exception was set because the interest rate exceeded 6% and the cancellation fee period exceeded 12 months. Note that the exception is graded EV2 because the HELOC Agreement contains applicable law language. We recommend that client discuss with their own counsel for further analysis of NY law. |  |  |  | - B |
| XXXX |  |  | 3158541760 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $85.89. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not include Flood Certification fee of $7.00 and Loan Original Fee of $75.00 as prepaid finance charges. | BUYER - GENERAL COMMENT (2025-06-16): XX/XX/XXXX Appeal: Please see XXXXXXX which verifies that the Loan Origination Fee was waived. Abstract Title Search and Appraisal are not pre-paid fees. XX<br> REVIEWER - GENERAL COMMENT (2025-06-17): Exeption remains, Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the origination fee<br> BUYER - GENERAL COMMENT (2025-06-27): XX/XX/XXXX Appeal. PPFC was recalculated and yielded an fc accurate result. Borrower did not pay any finance charge as indicated on the Disbursement Request and Authoriztion in XXXX doc # XXXX. XX<br> REVIEWER - GENERAL COMMENT (2025-07-02): Exception remains, Fees disclosed on HUD are finance charges, regardless of whether they are paid by the borrower at closing or outside closing. Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the origination fee | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158541811 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541812 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541814 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-12): Appeal: loan is a HELOC as originated and is not considered a federal related mortgage loan under RESPA, meaning they are not subject to RESPA's requirements, final 1003 not required.<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, subject loan is not a HELOC. |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1 Alternate Document Used for Fees (Primary): Missing Final HUD-1: HUD1, not signed or stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $308.73. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Missing lender amortization schedule. Unable to determine under disclosure due to missing Itemization of Amount Financed. | BUYER - GENERAL COMMENT (2025-06-04): The settlement agent's stamp/signature is not applicable here. Trans Union's responsibilities included conducting the title search, providing notary services, and securing customer signatures on closing documents. Their role was strictly to facilitate the closing process, not to disburse funds. All third-party fees were paid outside of closing, with the lender retaining all fees and payoffs at consummation.<br> REVIEWER - GENERAL COMMENT (2025-06-09): Exception remains, As the property is in Arizona, the HUD must be signed by settlement agent (or stamped by the title company) to be considered final. The responsibilities for Trans Union listed by the lender are typical of a settlement or closing agent, which facilitates the closing of a real estate transaction. This entity should be the one signing/stamping a Final HUD. A settlement or closing agent would not typically fund a loan or disburse funds, as that is a lender function. The requirement is not for the loan funder to sign/stamp the HUD, but for the settlement agent to sign/stamp the HUD.<br> BUYER - GENERAL COMMENT (2025-06-19): XX/XX/XXXX Appeal. The only ppfc for this loan that borrower paid is the origination $1360 as supported on Disclosure Statement XXXX # XXXXX and HUD -1 doc # XXXXX. Re-calculated ppfc and yielded a fc accurate result. XX<br> REVIEWER - GENERAL COMMENT (2025-06-24): Exception remains, without a breakdown of the lender's APR and FC calculation, we cannot be sure of the reason for the variance. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | TR HUD Deficiency |
| XXXX |  |  | 3158541834 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (2025-07-08): See Initial GFE signed at closing |  |  |  | - B |
| XXXX |  |  | 3158541835 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541855 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-04): 6-4-2025 Appeal Please see attached Disbursement Request and Authorization form and XXXX XXX Servicing screen which includes a statement on Flood Insurance including the flood map and date and that the subject is NOT in a flood zone. The servicing screen shows the Zone is X and that the mapping has not changed since XXXX. CG<br> REVIEWER - GENERAL COMMENT (2025-06-06): Exception remains. Missing Flood Certificate. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541858 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541859 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - Utah Prepayment Penalty Test: Utah Prepayment Penalty: Junior lien loan contains a prepayment penalty without offering the borrower the option of a loan without a prepayment penalty or a loan containing a prepayment penalty with rate/fees lower than the loan without prepay. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541869 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-08): Based on review of the attached HUD-1 and Mortgagor Statement a Title Policy was not required<br> REVIEWER - GENERAL COMMENT (2025-06-11): Exception remains, missing final title policy for 1st lien transaction. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158541874 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $1,868.50 is underdisclosed from HUD Finance Charge of $1,988.50 in the amount of $120.00.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541877 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $260.72. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Til itemization did not include Settlement charges of $265 as prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158541903 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-16): A TPOL was not required at the time of origination. The lender instead opted for a TU Title search report. Providing Mortgagor Statement and HUD-1 to further support that a TPOL was not required.<br> BUYER - GENERAL COMMENT (2025-06-16): HUD-1<br> REVIEWER - GENERAL COMMENT (2025-06-17): Exception remains, final title policy required on first lien mortgages. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $207.60. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose a Flood Cert of $6.75 and Settlement/Closing/Escrow Fee of $202.00 as prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158541918 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Provided XX/XX/XXXX . Closing XX/XX/XXXX . | BUYER - GENERAL COMMENT (2025-06-10): 6.10.25 Appeal attached AMC page 463 of 2815 XXXXX Flood cert dated XX/XX/XXXX and AMC page 465 of 2815 D1247 certificate of proof of application for flood insurance which the borrower applied for on XX/XX/XXXX Note date XX/XX/XXXX kindly review recind.gs.<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Disclosure signed at closing.<br> BUYER - GENERAL COMMENT (2025-06-18): 6.18.25 Appeal, The loan in question is a refinancing of the customer's main property dated XX/XX/XXXX which they have owned since 1985-D0007. According to the attached flood insurance doc, the borrower had flood insurance before this refinancing, and was aware of the requirement. Please review and rescind<br> REVIEWER - GENERAL COMMENT (2025-06-19): This exception is if the Notice of Flood disclosure was provided prior to closing: Closing date = XX/XX/XXXX Notice date = 8/10/06. | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Liability for violations cannot be transferred to a subsequent purchaser of a loan.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541930 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541939 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  | BUYER - GENERAL COMMENT (2025-06-13): Loan was a HELOC. The use of title insurance is rare for HELOC's. Title not required<br> REVIEWER - GENERAL COMMENT (2025-06-16): Exception remains, final title required for 1st lien mortgages. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158541941 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158541956 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees. |  |  | - B |
| XXXX |  |  | 3158541992 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $242.91. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization does not include Settlement Fee XX/XX/XXXX 40.00 as a prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158541999 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing |  |  |  |  | - B |
| XXXX |  |  | 3158542000 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] State Compliance - Illinois Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] State Compliance - Illinois Prepayment Penalty: Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542019 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158542024 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542036 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542038 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  | BUYER - GENERAL COMMENT (2025-06-06): Per the recorded mortgage ((XXXXX)) the borrowers address is XXXX XXXX and the subject property address is XXXX XXXX. This was not the customer's primary address therefore not subject to rescission.<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains, unable to determine specific occupancy at origination. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158542042 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Louisiana Late Charge Percent Testing: Louisiana Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 5%.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158542050 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542069 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX - Please refer to Loan Exception ID 33529842 - XXX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Missing Flood Cert from origination. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX - Appeal. Found document showing property type that says subject property is 1-4 family . Please refer to Page 2249 DXXXXX in XXXXXX - XXX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Please provide Appraisal from origination. |  |  |  | - B |
| XXXX |  |  | 3158542072 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158542077 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542082 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158542085 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | UTD UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  | BUYER - GENERAL COMMENT (2025-06-18): 06-18-2025 Appeal. Please find title work attached. Subject is XXXX HELOC 2nd Lien. Full title work is not required. XX<br> REVIEWER - GENERAL COMMENT (2025-06-19): The attached doc is incomplete - missing 2nd page w/mortgage info.<br> BUYER - GENERAL COMMENT (2025-06-19): 06-19-2025 Appeal2. Thanks for clarifying missing second page. However, subject is a HELOC in 2nd lien position and title was not required. XX<br> REVIEWER - GENERAL COMMENT (2025-06-20): Tape data and post closing property report (XXXX) indicate this was a 1st lien position in XXXX. There is no conclusive evidence stating otherwise as that information is taken from the title which is currently missing. Exception remains until further evidence is provided.<br> BUYER - GENERAL COMMENT (2025-06-25): 06-25-2025 Appeal3. Please see XXXX Notice of Insuarnce Requirements document which shows loan was originated as a Second Lien shown just above the signature line. XX<br> REVIEWER - GENERAL COMMENT (2025-06-26): Documentation in file is inconsistent. When in doubt tape data is used, which is a 1st lien. Exception remains. Final Title policy required for 1st lien transactions. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542111 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-07-01): Please see attached.<br> BUYER - GENERAL COMMENT (2025-07-01): pls see attached.<br> REVIEWER - GENERAL COMMENT (2025-07-01): Exception remains. Flood Mapping Data is not a Flood Cert. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158542122 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-07-01): Appeal – See Legal & Vesting Report as required at origination.<br> REVIEWER - GENERAL COMMENT (2025-07-02): The attached doc is missing the mortgage info section.<br> BUYER - GENERAL COMMENT (2025-07-03): Please escalate, report is complete<br> REVIEWER - GENERAL COMMENT (2025-07-07): Exception remains. Document provided is property report, not a title policy.<br> BUYER - GENERAL COMMENT (2025-07-07): Please escalate to manager |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  | BUYER - GENERAL COMMENT (2025-06-06): 6.5.25 Appeal. Upon reviewing the loan file it is a refinance of a HELOC having closed on XX/XX/XXXX. Please see attached highlighted section of the Boarding Data Sheet from origination showing the property type. Please review and rescind. XX<br> REVIEWER - GENERAL COMMENT (2025-06-10): Exception remains, unable to determine specific property type at origination. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158542128 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158542129 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] General - Incomplete Document: Note - Subject Lien is incomplete | Heloc Agreement is cutoff and missing pages: missing date, section 4 is cutoff/partially missing, unable to determine if section 7 was provided in its entirety or was cutoff and missing sections 5, 8, 11 in their entirety. |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-02): Closing costs on page 10 of the HELOC agreement match closing costs on the HUD1. The only variance between the documents are payoffs in the 1300s. Note: Unsecured payoffs, like personal loans or credit card debts, are typically not classified as closing costs under the RESPA. Closing costs are specifically related to expenses directly associated with the real estate transaction.<br> REVIEWER - GENERAL COMMENT (2025-06-04): Exception remains, missing HELOC brochure disclosure from loan file.<br> BUYER - GENERAL COMMENT (2025-06-09): 6.9.25 Appeal. Please see attached HELOC Disclosure provided to the borrower as requested. XX<br> REVIEWER - GENERAL COMMENT (2025-06-09): Exception remains HELOC agreement provided.<br> BUYER - GENERAL COMMENT (2025-06-09): 6.9.25 Appeal. Please see attached HELOC Disclosure provided to the borrower as requested. XX<br> REVIEWER - GENERAL COMMENT (2025-06-09): Exception remains HELOC agreement provided. | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542130 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-12): XX/XX/XXXX Appeal: Please see XXXXXXX The Collateral Summary sections states that the subject property was not in a Flood Zone effective XX/XX/XXXX . XX<br> REVIEWER - GENERAL COMMENT (2025-06-12): Flood zone required for exception<br> BUYER - GENERAL COMMENT (2025-06-12): XX/XX/XXXX Appeal: Please refer to XXXXXXX The description of the dwelling on the Hazard Policy is a Single Family framed Residence. XX<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br> BUYER - GENERAL COMMENT (2025-06-23): Please review XXXXX Exterior appraisal showing 1 unit Detached<br> REVIEWER - GENERAL COMMENT (2025-06-23): We cannot rely on a post closing inspection report as factual evidence. HUD indicates an Appraisal fee - please provide from origination. |  |  |  | - B |
| XXXX |  |  | 3158542138 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542150 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | - B |
| XXXX |  |  | 3158542181 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542183 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-16): XX/XX/XXXX Appeal: Please refer to the attached document reflecting the appraised value at the time of the transaction. XX<br> BUYER - GENERAL COMMENT (2025-06-16): Please disregard the previous comment for the appeal<br> BUYER - GENERAL COMMENT (2025-06-16): XX/XX/XXXX Appeal. Please see attached Disbursement Request and Authorization form and XXXX XXX Servicing screen which includes a statement on Flood Insurance including the flood map and date and that the subject is NOT in a flood zone. The servicing screen shows the Zone is X and that the mapping has not changed since 2009. CG<br> REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2025-06-17): Document provided is post dated | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542202 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158542220 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-12): XX/XX/XXXX - Appeal: Refer to D0382, page 291 for property type which reflects a single family detached home. XX<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Unable to determine specific property type at origination. |  |  |  | - B |
| XXXX |  |  | 3158542222 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX .<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  | BUYER - GENERAL COMMENT (2025-07-09): XX/XX/XXXX appeal: The transaction date is actually XX/XX/XXXX per the HUD, TIL, and Notice of Right to Cancel; whereas the disbursement date is XX/XX/XXXX er the Note interest accrual date and Boarding Data Sheet). XX | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158542237 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX - Appeal. Final 1003 not applicable on HELOCs.-XXX<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, subject loan is not a HELOC. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542256 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Lien - Missing evidence of lien position on Other Financing.: Lien Position: 2 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  | BUYER - GENERAL COMMENT (2025-06-11): XX/XX/XXXX 5-Appeal: Refer to D0338, page 395 for property type which reflects a single family detached home. XX<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Unable to determine specific property type at origination. |  |  |  | - B |
| XXXX |  |  | 3158542257 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $242.52. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization does not included Settlement fee XX/XX/XXXX 40.00 as a prepaid finance charge. | BUYER - GENERAL COMMENT (2025-07-01): XX/XX/XXXX : Appeal. Re-calculated ppfc and yielded an fc accurate result. According to HUD-1 and Disbursement Request Auth doc #XXXXX, the ppfc were flood cert $7 and Loan Origination $225. The finance charge XXXX is accurate. XX<br> REVIEWER - GENERAL COMMENT (2025-07-08): Exception remains. Settlement fee of $240 was POC and a fee paid to title for the closing and included in the amount financed. Only if evidence the fee is paid by the lender would this be excluded. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158542259 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  | BUYER - GENERAL COMMENT (2025-06-16): 6.16.25 Appeal attached initial loan application date XX/XX/XXXX , Note date XX/XX/XXXX ,kindly review rescind.XX<br> REVIEWER - GENERAL COMMENT (2025-06-17): Loan app dates are derived from credit applications that include borrower financial information, not fax dates.<br> BUYER - GENERAL COMMENT (2025-06-24): Please see document XXXXX and D0561, application DATE shows.<br> REVIEWER - GENERAL COMMENT (2025-06-25): Exception remains, missing final application. |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (2025-06-10): 6.10.25 Appeal attached initial loan application date XX/XX/XXXX , Note date XX/XX/XXXX ,kindly review rescind.XX.<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains. Application date not identified on provided documentation. |  |  |  | - B |
| XXXX |  |  | 3158542264 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542269 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $65.21. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. | BUYER - GENERAL COMMENT (2025-06-17): Appeal, Total Payments Calculation: Monthly Payment: $XXX, Number of Payments: XXX, Total Payments: $XXX \* XXX = $XXX<br> Amount Financed: $XX,XXX.XX Calculated Finance Charge: $XXX- $XX,XXX.XX = $XXX. The disclosed finance charge in the (DXXXXX) is $XXX, which matches the calculated finance charge based on the total payments and amount financed. Therefore, there is no discrepancy in the finance charge based on (DXXXX). --XX<br> BUYER - GENERAL COMMENT (2025-06-17): Please disregard the appeal --XX<br> REVIEWER - GENERAL COMMENT (2025-06-18): Exception remains. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158542272 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  | BUYER - GENERAL COMMENT (2025-06-13): Subject loan was a HELOC. The use of title insurance is rare for HELOC's. Title not required<br> REVIEWER - GENERAL COMMENT (2025-06-16): Exception remains, final title required for 1st lien mortgages. |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing.<br> Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | BUYER - GENERAL COMMENT (2025-06-22): XX/XX/XXXX appeal: Attached please find the special flood hazard notice provided to the borrower prior to closing. XX<br> BUYER - GENERAL COMMENT (2025-06-22): disclosure<br> REVIEWER - GENERAL COMMENT (2025-06-23): Loan date = XX/XX/XXXX Notice date = XX/XX/XXXX Notice not provided prior to closing. | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Liability for violations cannot be transferred to a subsequent purchaser of a loan. |  |  | - B |
| XXXX |  |  | 3158542289 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158542308 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Affidavit of Borrower(s) and Mortgagor(s) # 2 Borrower has received the notices and information Borrower is entitled to receive under the law, including, without limitation, the Truth-in-Lending Act, the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required.<br> BUYER - GENERAL COMMENT (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br> REVIEWER - GENERAL COMMENT (2025-06-04): No action |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-03): Appeal - A Good Faith Estimate (GFE) is not required for Home Equity Lines of Credit (HELOCs). HELOCs were exempt from the requirements of RESPA (Real Estate Settlement Procedures Act) and thus do not require a GFE. Instead, HELOCs are subject to Regulation Z (Truth in Lending).<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, subject loan is not a HELOC. | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542321 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158542323 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-09): XX/XX/XXXX - Appeal: Refer to DXXXXX, page 482 for property type which reflects a single family detached home. XX<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Unable to determine specific property type at origination. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542340 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX Appeal: loan is a HELOC as originated and is not considered a federal related mortgage loan under RESPA, meaning they are not subject to RESPA's requirements, final 1003 not required. XX<br> REVIEWER - GENERAL COMMENT (2025-06-16): The reviewed loan - 1st lien - Promissory Note is not a line of credit. Exception remains. Missing Final Loan Application from Origination. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $167.81. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. | BUYER - GENERAL COMMENT (2025-06-13): XX/XX/XXXX Appeal. Re-calculated ppfc and yielded a $5 underdisclosed amount, which is within the $35 threshold tolerance for refinances. The ppfc used were Broke fee $2567, Flood cert $8, Discount fee $2528, origination fee $150, recording fee $5, <br> Closing fee $245, Courier fee $15, Courier fee $50 =$5568. The APR = X.XXXX%, Finance charge $XXX, Amount financed $XXX. XX<br> REVIEWER - GENERAL COMMENT (2025-06-16): Exception remains, missing itemization of amount financed to determine.<br> BUYER - GENERAL COMMENT (2025-06-19): XX/XX/XXXX Appeal. Itemization of finance charge are itemized on Disclosure Statement in XXXX doc #XXXX. Re-calculated ppfc and yielded fc accurate result. The ppfc used were Broke fee $2567, Flood cert $8, Discount fee $2528, origination fee $150, Closing fee $245, Courier fee $15, Courier fee $50 =$5568. The APR = X.XXXX%, Finance charge $XXX, Amount financed $XXX. XX<br> REVIEWER - GENERAL COMMENT (2025-06-24): Exception remains, However, without a breakdown of the lender's APR and FC calculation, we cannot be sure of the reason for the variance. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158542344 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542379 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | - B |
| XXXX |  |  | 3158542382 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542387 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542395 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542401 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Notice of Special Flood Hazard Disclosure is missing |  | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Liability for violations cannot be transferred to a subsequent purchaser of a loan. |  |  | - B |
| XXXX |  |  | 3158542410 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [2] General Appraisal Requirements - Incorrect Appraisal Form type: Appraisal Form 2055 (Exterior Only) used for incorrect Subject property type.: Valuation Type: Drive By / Valuation Report Date: XX/XX/XXXX Condo (Low Rise) |  |  |  |  |  | 2 | [2] Title / Lien Defect - (Doc Error) Loan was portrayed as first lien but found to be a second lien<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (2025-06-03): 06-03-2025 Appeal. Please find satisfaction of senior lien attached dated XX/XX/XXXX. Subject is now in 1st lien position. XX<br> REVIEWER - GENERAL COMMENT (2025-06-05): Exception remains, Loan was portrayed as first lien at origination.<br> BUYER - GENERAL COMMENT (2025-06-08): 06-08-2025 Appeal. Subject was originated as a 2nd Lien. T he existing first lien was was subsequently paid off and subject moved to 1st. Our servicing system now properly reads the 1st lien position and may have reflected that in the deal record set up. XX<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Loan was portrayed as first lien at origination. |  |  |  | - B |
| XXXX |  |  | 3158542442 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (2025-06-11): XX/XX/XXXX - Appeal: Refer to XXXXX, page 162 for property type of single family ranch. XX<br> REVIEWER - GENERAL COMMENT (2025-06-12): Exception remains, Unable to determine specific property type at origination. |  |  |  | - B |
| XXXX |  |  | 3158542477 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (2025-06-16): XX/XX/XXXX Appeal. Please see doc # XXXX in XXXX supporting property type is single family residence. XX<br> REVIEWER - GENERAL COMMENT (2025-06-18): Referenced doc is from XXXX & does not specify type of property, ie: detached/attached/PUD, etc. Missing Appraisal from XXXX origination. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542484 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - B |
| XXXX |  |  | 3158542486 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  | - B |
| XXXX |  |  | 3158542492 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542497 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542512 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-02): Appeal - Please see attached Flood Cert. XX<br> REVIEWER - GENERAL COMMENT (2025-06-04): Exception remains, flood determination provided belongs to a different property.<br> BUYER - GENERAL COMMENT (2025-06-02): Appeal - Please see attached document. XX<br> REVIEWER - GENERAL COMMENT (2025-06-04): Exception remains, final 1003 belongs to another transaction. |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (2025-06-02): Appeal - Please see attached Flood Cert. XX<br> REVIEWER - GENERAL COMMENT (2025-06-04): Exception remains, Flood determination provided belongs to another property. |  |  |  | - B |
| XXXX |  |  | 3158542513 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |
| XXXX |  |  | 3158542526 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Application / Processing - Flood Certificate Error: Certificate Number was not provided. |  | BUYER - GENERAL COMMENT (2025-06-12): 6/12-Appeal : Please see Origination flood cert which confirms the property is in flood zone "X" which is not in a flood zone. XX<br> BUYER - GENERAL COMMENT (2025-06-12): cert<br> REVIEWER - GENERAL COMMENT (2025-06-13): Exception remains, Cert number not disclosed. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | - B |
| XXXX |  |  | 3158542532 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $245.58. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | - B |
| XXXX |  |  | 3158542534 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  | - B |
| XXXX |  |  | 3158542552 | XXXX XXXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (2025-06-07): A Title Policy was not required on the subject loan. Please see the supporting documentation - Affidavit of Borrower & Mortgagor, HUD-1 showing a charge for TU Title Search, and copy of the title search.<br> REVIEWER - GENERAL COMMENT (2025-06-11): Exception remains, final title required on first lien transactions.<br> BUYER - GENERAL COMMENT (2025-07-10): Appeal: Legal & Vesting Report/title search provided, escalate to XXXX |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | - B |

---

![](ex99-01.jpg)

**Exception Ratings**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Alternate Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Unable To Clear Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX |  |  | 3158536807 | 33499277 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-10): Exception remains. Document noted in appeal is the broker initial loan application. This exception is for the lender initial 1003. There is no alt source for application date in file.<br>Buyer Comment (2025-06-06): Initial Application observed in D2108. Please Review. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536839 | 33491642 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158536839 | 33491677 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536839 | 33493171 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536844 | 33486445 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No C |
| XXXX |  |  | 3158536844 | 33486575 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Illinois High Risk Home Loan (Consumer Caution Notice Not Provided) | Illinois High Risk Home Loan: Borrower not provided with Consumer Caution Notice. |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | See any available cure under Illinois High-Risk threshold exception. C |  |  | No C |
| XXXX |  |  | 3158536844 | 33486576 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) Illinois High Risk Home Loan (Ability to Repay not Verified) | Illinois High Risk Loan: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | See any available cure under Illinois High-Risk threshold exception. C |  |  | No C |
| XXXX |  |  | 3158536844 | 33486577 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Illinois High Risk Home Loan (Mortgage Awareness Program ("MAP") Not Provided) | Illinois High Risk Home Loan: Borrower not notified of right to participate in Mortgage Awareness Program ("MAP"). |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | See any available cure under Illinois High-Risk threshold exception. C |  |  | No C |
| XXXX |  |  | 3158536844 | 33486578 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Illinois High Risk Home Loan (Points and Fees) | Illinois High Risk Home Loan Act: Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of X.XX% of the Total Loan Amount and $XXX (XXX). Points and Fees total $XXX on a Total Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (XXX) (an overage of $XX or .XXX%). Non-Compliant High Cost Loan. |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Within 30 days of closing, provide: (1) Lender Attestation to AMC attesting the lender has not received any notice from borrower of the failure; (2) Letter of Explanation; (3) refund of amount over the high-risk threshold maximum; and (4) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-risk threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |  |  | Yes C |
| XXXX |  |  | 3158536871 | 33492850 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536871 | 33492851 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536871 | 33492853 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Missouri Late Charge Grace Period Testing | Missouri Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536871 | 33492854 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Missouri Prepayment Penalty | Missouri Prepayment Penalty: Maximum calculated prepay of $XXX exceeds the state maximum of 2% of the prepaid balance ($XXX). Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536871 | 33492855 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158536871 | 33492856 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158536890 | 33511848 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158536890 | 33511880 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158536891 | 33486946 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (2025-06-05): Exception remains. When reviewing documentation for the disbursement date, SitusAMC looks for documents evidencing the actual date that the loan disbursed vs. a projected disbursement date from the closing instructions or other documents. If we are unable to determine whether documentation represents an actual disbursement date, the document would not be considered for this purpose. • For the subject loan, the documentation provided is missing a signed/printed date to verify whether the disbursement date was a projected date in the future or whether disbursement had already occurred. The fact that the file is missing a disbursement date is not in and of itself a violation, the exception for missing disbursement date is merely an informational alert to indicate which date was used for compliance testing. The disbursement date is primarily used in APR calculations and rescission timing regulations.<br>Buyer Comment (2025-06-03): XX/XX/XXXX appeal: Please see the Funding Worksheet (pg 2620 (Doc ID XXXX)) of XXXX Loan File), Loan Summary (pg 58 (Doc ID XXXX)), and Closing Instructions (pg 260 (Doc ID XXXX)), which all list the funding date as XX/XX/XXXX XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Purchase | B |  |  | No B |
| XXXX |  |  | 3158536891 | 33486948 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Pennsylvania First Lien Late Charge Grace Period Testing | Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Purchase | B |  |  | No B |
| XXXX |  |  | 3158536891 | 33486953 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Purchase | B |  |  | No B |
| XXXX |  |  | 3158536891 | 33498984 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Purchase | B |  |  | No B |
| XXXX |  |  | 3158536920 | 33501944 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Illinois Late Charge Percent Testing | Illinois Late Charge: Note late charge percent of XXX% exceeds the state maximum of 5%. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158536920 | 33511859 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158536921 | 33496743 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536944 | 33492120 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536944 | 33492697 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536951 | 33493216 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536951 | 33493247 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Pennsylvania First Lien Late Charge Grace Period Testing | Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536951 | 33493284 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158536951 | 33493285 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158536951 | 33493292 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536951 | 33493293 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536951 | 33493515 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $172.08. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158536951 | 33493522 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536970 | 33486030 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536970 | 33486032 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536970 | 33486033 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Georgia Home Loan (Late Charge) | Georgia Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period of less than ten (10) days. |  |  | Reviewer Comment (2025-06-09): Exception remains, While the late charge exception is related to Georgia home loans, which is a subset, but not the same as high-cost, the assignee liability for home loans is the same as high-cost. Assignee liability under the Georgia Fair Lending Act (§ 7-6A-6 of the Georgia Code) is as follows: Any person who purchases, is assigned or otherwise becomes a holder of a high cost home loan will be subject to all affirmative claims and defenses that the borrower could assert against the creditor of the high cost home loan, including the right of rescission, unless the purchaser or holder demonstrates, by a preponderance of the evidence, that the purchaser or holder exercised reasonable due diligence at the time of purchase of the home loans, or within a reasonable time thereafter, intended to prevent the purchaser or holder from purchasing or taking assignment of high cost home loans.<br> However, because the loan was not originated during the blackout period and is outside SOL which, for home loans, is 5 years from first scheduled payment, the exception is graded an EV2-B.<br>Buyer Comment (2025-06-04): XX/XX/XXXX appeal: Loan was bank originated (XXXX) and late charge is as agreed unless charge is unreasonable (Note shows greater of XXXC or XX). Licensed lender originated loans are 5% maximum with 10 grace period. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | Yes B |
| XXXX |  |  | 3158536970 | 33486035 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536973 | 33499266 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158536973 | 33499291 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158536973 | 33499293 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158536973 | 33499294 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Oregon Late Charge Grace Period Testing | Oregon Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158536973 | 33499295 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Oregon Late Charge Percent Testing | Oregon Late Charge: Note late charge percent of XXX% exceeds the state maximum of 5%. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158536973 | 33499296 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Oregon Prepayment Penalty Max Prepay | Oregon Prepayment Penalty: Loan agreement or Note does not clearly state the maximum prepayment penalty applicable to each year of the loan. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158536974 | 33501296 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536974 | 33501298 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536974 | 33501301 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158536974 | 33501302 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158536974 | 33501319 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536998 | 33498709 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536998 | 33498711 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Ohio Standard Prepayment Penalty SMLA | Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants) Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536998 | 33498712 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158536998 | 33498713 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537006 | 33507323 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (2025-06-05): Exception remains. When reviewing documentation for the disbursement date, SitusAMC looks for documents evidencing the actual date that the loan disbursed vs. a projected disbursement date from the closing instructions or other documents. If we are unable to determine whether documentation represents an actual disbursement date, the document would not be considered for this purpose. The fact that the file is missing a disbursement date is not in and of itself a violation, the exception for missing disbursement date is merely an informational alert to indicate which date was used for compliance testing. The disbursement date is primarily used in APR calculations and rescission timing regulations.<br>Buyer Comment (2025-06-03): 6.3.25 Appeal attached disbursement date wired funds XX/XX/XXXX Note 12.3.2003 kindly review rescind |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537006 | 33507324 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537006 | 33507326 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act - Financed Points and Fees Exceeds 5% Threshold | Minnesota Residential Originator and Servicer Licensing Act: Financed Fees on subject loan in excess of 5% of Total Loan Amount. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537020 | 33493402 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537027 | 33507353 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537027 | 33507354 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537027 | 33507356 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537027 | 33507357 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | New York Prepayment Penalty | New York Prepayment Penalty: Max prepay term allowed on an adjustable rate loan greater than $250,000 is 12 months. Loan contracts for prepay term of XX months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537027 | 33507358 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537027 | 33507359 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537027 | 33507360 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537027 | 33507361 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537027 | 33507368 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537037 | 33507390 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-04): Exception remains. Document noted in appeal is the broker initial loan application. This exception is for the lender initial 1003. There is no alt source for application date in file.<br>Buyer Comment (2025-06-02): Appeal, found Initial 1003. please refer to XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537037 | 33507420 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Notice of special flood is provided on Note date. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537054 | 33507740 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (2025-06-13): Exception remains, Document is unsigned.<br>Buyer Comment (2025-06-11): XX/XX/XXXX . Appeal. Please see Doc ID XXXXX showing funding date XX/XX/XXXX . |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537054 | 33507741 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-04): Exception remains, no action<br>Buyer Comment (2025-06-03): Please disregard appeal as initial 1003 found is for the broker initial 1003. Thank you.<br>Buyer Comment (2025-06-02): found 1003 signed XX/XX/XXXX <br>Buyer Comment (2025-06-02): Found initial 1003 in EIV signed XX/XX/XXXX  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537054 | 33507743 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537054 | 33507744 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Reviewer Comment (2025-06-05): Exception remains, missing initial lenders application to determine.<br>Buyer Comment (2025-06-03): XX/XX/XXXX . Appeal sent. Loan closed on XX/XX/XXXX . Per Doc ID XXXXX initial 1003 signed XX/XX/XXXX . Per Doc ID XXXXX disclosure letter was sent on XX/XX/XXXX showing the ABA Disclosure letter was enclosed. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537054 | 33507745 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  | Reviewer Comment (2025-06-05): Exception remains, missing initial lenders application to determine.<br>Buyer Comment (2025-06-03): Doc ID XXXXX 1003 also signed on XX/XX/XXXX .<br>Buyer Comment (2025-06-03): XX/XX/XXXX . Appeal sent. Per Doc ID XXXXX Dislcosure letter sent to the customer on XX/XX/XXXX confirming one of the enclosed is the ARM disclosure. YSP |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537054 | 33507746 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Reviewer Comment (2025-06-05): Exception remains, CHARM booklet missing from loan file.<br>Buyer Comment (2025-06-03): Per document please refer to Doc ID XXXXX, initial 1003 signed and dated XX/XX/XXXX . On the other hand per Doc ID XXXXX CHARM doc sent and signed by customer on XX/XX/XXXX with |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537054 | 33507747 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537054 | 33507748 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537067 | 33486620 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537067 | 33486621 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537067 | 33486622 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537067 | 33486624 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537067 | 33486625 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537067 | 33486626 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537067 | 33486635 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537071 | 33501488 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (2025-06-13): Exception remains, Proration date not equal to disbursement date.<br>Buyer Comment (2025-06-10): 6.10.25 Appeal attached disbursement date XX/XX/XXXX per HUD as interest started and 1st pmt was XX/XX/XXXX ,loan was a wholesale brokered loan table funded by XXXX kindly review rescind.XX. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537071 | 33514338 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537079 | 33508284 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537079 | 33508356 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Reviewer Comment (2025-06-06): Exception remains, Missing affiliated business disclosure dated within 3 days of lenders application from loan file.<br>Buyer Comment (2025-06-04): 6.4.25 Appeal please see attached broker loan disclosure XX/XX/XXXX , ABA, ARM loan disclosures, consumer handbook, GFE, loan app addendum, kindly review rescind. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537079 | 33508357 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537079 | 33508358 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  | Reviewer Comment (2025-06-06): Exception remains, missing ARM disclosure dated within 3 days of initial lenders application from loan file.<br>Buyer Comment (2025-06-04): 6.4.25 Appeal please see attached broker loan disclosure XX/XX/XXXX , ABA, ARM loan disclosures, consumer handbook, GFE, loan app addendum, kindly review rescind. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537079 | 33508359 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| XXXX |  |  | 3158537086 | 33508509 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537086 | 33508511 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537086 | 33508512 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537086 | 33508513 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537091 | 33492273 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537091 | 33493524 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537091 | 33493525 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (2025-06-05): Exception remains. When reviewing documentation for the disbursement date, SitusAMC looks for documents evidencing the actual date that the loan disbursed vs. a projected disbursement date from the closing instructions or other documents. If we are unable to determine whether documentation represents an actual disbursement date, the document would not be considered for this purpose. • For the subject loan, the documentation provided is missing a signed/printed date to verify whether the disbursement date was a projected date in the future or whether disbursement had already occurred. • For the subject loan, the documentation provided is missing evidence of whether the 'funding date' was the actual lender's disbursement date or if it was the investor funding date<br>Buyer Comment (2025-06-04): XX/XX/XXXX appeal: Please see the Funding Worksheet (pg 1287 (Doc ID XXXX) of XXXX Loan File) listing the funding date as XX/XX/XXXX XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537091 | 33493526 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-05): Exception remains. Document noted in appeal is the broker initial loan application. This exception is for the lender initial 1003.<br>Buyer Comment (2025-06-04): XX/XX/XXXX appeal: Please see the initial 1003 on page 69 (Doc ID XXXX) of the XXXX Loan File showing the date as XX/XX/XXXX XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537091 | 33493528 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537091 | 33493529 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537091 | 33493530 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537091 | 33493531 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537091 | 33493532 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537112 | 33493834 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537112 | 33508016 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537113 | 33491925 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537113 | 33492182 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537124 | 33501440 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537124 | 33654984 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537140 | 33498792 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 Alternate Document Used for Fees (Primary) | Missing Final HUD-1: Estimated HUD1 used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2025-06-06): No action<br>Buyer Comment (2025-06-04): XX/XX/XXXX lease disregard appeal as it was added in error. XX<br>Buyer Comment (2025-06-04): XX/XX/XXXX Appeal – Please find the final HUD-1 attached. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | D |  |  | No D |
| XXXX |  |  | 3158537140 | 33498793 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-04): Exception remains. Document noted in appeal is the broker initial loan application. This exception is for the lender initial 1003. There is no alt source for application date in file.<br>Buyer Comment (2025-05-30): XX/XX/XXXX appeal: Please find the initial 1003 attached. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| XXXX |  |  | 3158537140 | 33498795 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| XXXX |  |  | 3158537144 | 33501876 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (2025-06-06): Exception remains, When reviewing documentation for the disbursement date, SitusAMC looks for documents evidencing the actual date that the loan disbursed vs. a projected disbursement date from the closing instructions or other documents. If we are unable to determine whether documentation represents an actual disbursement date, the document would not be considered for this purpose.<br>Buyer Comment (2025-06-04): XX/XX/XXXX - Document showing the disbursement date of XX/XX/XXXX found in XXXX/EIV , please see page XXXX - XXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537144 | 33501877 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-06): Exception remains. Document noted in appeal is the broker initial loan application. This exception is for the lender initial 1003. There is no alt source for application date in file.<br>Buyer Comment (2025-06-04): XX/XX/XXXX - Document showing application date of XX/XX/XXXX found in XXXX /XXX, please see page XXXX. Initial signed 1003 not available- XXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537144 | 33501879 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537184 | 33499285 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537199 | 33501832 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-24): Cleared in error. XXXXX is not the Initial 1003 for the Lender which is missing.<br>Buyer Comment (2025-06-24): Please review document XXXXX. URLA dated XX/XX/XXXX <br>Reviewer Comment (2025-06-11): Exception remains. Per process for alt source for application date, document must state ""Application Date"" and have lender name to be used."<br>Buyer Comment (2025-06-07): XX/XX/XXXX Appeal. AMC is using application date of XX/XX/XXXX which is the earliest date on the broker 1003. The loan was brokered from XXXXX. The XXXX approval document shows the loan was submitted to XXXXXX on XX/XX/XXXX and is in effect the application date to the lender. Please note the lenders initial disclosure package was sent on this same date. Also the broker's submission was entered XX/XX/XXXX. The lenders application date should be accepted as XX/XX/XXXX . Please see attached Approval, Disclosure Letter, and Broker Submission documents. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537199 | 33501834 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537199 | 33501835 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537199 | 33501836 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  | Reviewer Comment (2025-06-24): Cleared in error. XXXXX is not the Initial 1003 for the Lender which is missing.<br>Buyer Comment (2025-06-24): Please review Application showing XX/XX/XXXX Supports CHARM sent the same day.<br>Reviewer Comment (2025-06-11): Exception remains. Per process for alt source for application date, document must state "Application Date" and have lender name to be used.<br>Buyer Comment (2025-06-07): 06-07-2025 Appeal. Please find attached documents supporting the use of the lender's application date as XX/XX/XXXX and the Lender disclosure letter supporting the CHARM Booklet being sent on the same day. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537199 | 33501837 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Reviewer Comment (2025-06-25): Exception remains, missing initial lenders application date.<br>Buyer Comment (2025-06-24): Please review Application date showing XX/XX/XXXX Charm document sent the same day.<br>Reviewer Comment (2025-06-11): Exception remains. Per process for alt source for application date, document must state "Application Date" and have lender name to be used.<br>Buyer Comment (2025-06-07): 06-07-2025 Appeal. Please find attached documents supporting the use of the lender's application date as XX/XX/XXXX and the Lender disclosure letter supporting the CHARM Booklet being sent on the same day. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537199 | 33501838 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $235.02. | Unable to determine under disclosure due to missing Itemization of<br> Amount Financed. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537203 | 33488249 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No D |
| XXXX |  |  | 3158537203 | 33488250 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 Alternate Document Used for Fees (Primary) | Missing Final HUD-1: Estimated HUD1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No D |
| XXXX |  |  | 3158537203 | 33488251 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No D |
| XXXX |  |  | 3158537203 | 33488253 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No D |
| XXXX |  |  | 3158537203 | 33488254 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No D |
| XXXX |  |  | 3158537216 | 33507162 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537216 | 33507332 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (2025-06-03): Exception remains. The exception is not a violation but rather an informational finding since we generally source the disbursement date from the HUD/settlement statement. If not noted on the HUD/final settlement statement, we cite an EV2 informational finding to give visibility to the document used to source the disbursement date for compliance testing<br>Buyer Comment (2025-06-02): 06-02-2025 Appeal. Subject transaction is a refinance of a primary residence in the state of GA, the closing date of the Note is XX/XX/XXXX. The HUD1 shows the Settlement date is XX/XX/XXXX and HUD1 shows interim interest of $22.33 for XX/XX/XXXX. The mortgage is also dated XX/XX/XXXX and is notarized. All available dates support proper funding date or allow extra rescission time. The state of GA generally did not require the notary's signature to be dated. There is no reason for citing this exception. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537216 | 33507334 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537217 | 33507414 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537238 | 33497609 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537238 | 33497611 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537238 | 33497613 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537238 | 33497614 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| XXXX |  |  | 3158537238 | 33497615 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  | Reviewer Comment (2025-06-10): Exception remains, Loan disbursement date XX/XX and RTC expiration date is XX/XX.<br>Buyer Comment (2025-06-06): 06-06-2025 Appeal. Please see attached Final Closing stmt/HUD1 with a funding date of XX/XX/XXXX. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537238 | 33497617 | XX/XX/XXXX | Compliance | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | (Doc Error) Loan was portrayed as first lien but found to be a second lien |  |  |  | Reviewer Comment (2025-06-10): Exception remains, Loan at origination was a 2nd lien and first lien paid off post origination.<br>Buyer Comment (2025-06-06): 06-06-2025 Appeal. Subject was originated as a 2nd Lien, but that 1st lien was subsequently paid off in XXXX which leaves the subject in 1st lien position currently. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537238 | 33497631 | XX/XX/XXXX | Credit | Title | Lien | Title | Missing note/terms on senior lien. Subject loan is in second position. | Lien Position: 1 |  |  | Reviewer Comment (2025-06-13): Exception remains. Terms of superior lien not provided.<br>Buyer Comment (2025-06-10): Appeal: Per XXXX the conditional approval did not stipulate a requirement for the original note/terms to be provided. Final commitment CLTV XXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537250 | 33507662 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537250 | 33507712 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-13): Exception remains. Application date not established.<br>Buyer Comment (2025-06-11): XX/XX/XXXX Appeal: Please refer to the attached document, which was generated by our system at the time of the transaction. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537250 | 33507713 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537282 | 33501953 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-04): Exception remains. Document noted in appeal is the broker initial loan application. This exception is for the lender initial 1003. There is no alt source for application date in file.<br>Buyer Comment (2025-06-02): 6.2.2005 Appeal attached initial 1003 and disclosures signed, dated XX/XX/XXXX kindly review rescind. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537282 | 33501955 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537282 | 33501956 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537282 | 33501957 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537290 | 33486713 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537290 | 33496538 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537328 | 33501325 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537328 | 33501395 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537328 | 33501396 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537328 | 33501397 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537328 | 33501398 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537328 | 33501399 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537339 | 33501891 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  | Reviewer Comment (2025-06-10): Exception remains, As it pertains to a change in the loan amount or payments, the rule (12 CFR 1024.7) states that a revised GFE should be provided but does not mandate that it must be. We would advise to reach out to the client to confirm they are comfortable with the exceptions being cleared based on the "should" considerations.<br>Buyer Comment (2025-06-05): Appeal: The variance in payment is due to the removal of MI which is a benefit to the borrower and would not create the requirement to send a revised GFE. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537362 | 33486151 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537362 | 33486268 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $685.00. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537362 | 33486269 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537386 | 33501774 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537386 | 33501776 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $280.00. | TIL itemization did not disclose Flood Certification Fee $25, Email fee $50, Service fee $20, Courier fee $120 and Wire fee $85 as prepaid finance charge. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537394 | 33486559 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537394 | 33486728 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537397 | 33501881 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537397 | 33501883 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537411 | 33499280 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537411 | 33499281 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537411 | 33499287 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537411 | 33501311 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537429 | 33501645 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537429 | 33501646 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537429 | 33501648 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537429 | 33501654 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537451 | 33501367 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537451 | 33501371 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537451 | 33501425 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537451 | 33501427 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br>Buyer Comment (2025-06-09): 6-9-25 - Appeal: Please find the property type for this property attached. XX<br>Reviewer Comment (2025-06-02): Unable to determine specific property type at origination.<br>Buyer Comment (2025-05-30): XX/XX/XXXX appeal: Please find the property type for this property attached. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537451 | 33501429 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537452 | 33501266 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537452 | 33501288 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537452 | 33501569 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537452 | 33501571 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537452 | 33501573 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537452 | 33501574 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537453 | 33501519 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537453 | 33501520 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537453 | 33501527 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537453 | 33501528 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537453 | 33501631 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537453 | 33501632 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537453 | 33501634 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537453 | 33501636 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537463 | 33501434 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158537463 | 33501436 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158537463 | 33501479 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537463 | 33501480 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158537463 | 33501897 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537463 | 33501898 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537463 | 33501900 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537463 | 33501902 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537463 | 33501903 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537463 | 33501904 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537463 | 33501905 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537478 | 33486750 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537478 | 33486880 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537478 | 33486882 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537478 | 33486884 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537478 | 33486896 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537478 | 33486897 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Buyer Comment (2025-07-10): Appeal: Legal & Vesting Report/title search provided, escalate to XXXX<br>Reviewer Comment (2025-06-04): Exception remains, Final title policy required for 1st lien mortgage.<br>Buyer Comment (2025-05-30): 05-30-2025 Appeal. Please find Title Vesting report attached. A full title insurance policy was not required at the time. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537479 | 33501577 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537479 | 33501623 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537479 | 33501624 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537479 | 33501705 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537479 | 33501707 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537479 | 33501709 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537479 | 33501710 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537507 | 33501529 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-19): No new docs have been uploaded. Exception remains.<br>Buyer Comment (2025-06-18): 06-18-2025 Appeal. Please find title work attached. Subject is XXXX HELOC 2nd Lien. Full titile work is not required. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537507 | 33501748 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537520 | 33501462 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537520 | 33501948 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537520 | 33501961 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537520 | 33501963 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537520 | 33501965 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537520 | 33501966 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537520 | 33501967 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537520 | 33501968 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537527 | 33501839 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537527 | 3350XXXX | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537527 | 33501997 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537527 | 33502001 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537541 | 33501553 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537541 | 33502008 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-04): Exception remains, 1st mortgage title policy is required.<br>Buyer Comment (2025-06-03): 6.3.25 Appeal please see internal document no title insurance on HELOC etc per HUD no title policy issued., kindly review rescind.XX. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537541 | 33502009 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537541 | 33502026 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537541 | 33502028 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537541 | 33502029 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Illinois Late Charge Percent Testing | Illinois Late Charge: Note late charge percent of XXX% exceeds the state maximum of 5%. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537541 | 33502030 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty 2008 Test | Illinois Prepayment Penalty (Residential Mortgage License Act): Loan contains prepayment penalty and borrower was not provided a loan without a prepayment penalty. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537541 | 33502032 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537541 | 33573738 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Compliance Determined Application Date | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX . The source for this date is Initial TIL Cover Letter. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537545 | 33502169 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-19): This HELOC is a 1st position lien - Title required.<br>Buyer Comment (2025-06-18): Loan is a HELOC - title not required |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537545 | 33502170 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537545 | 33502172 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  | Buyer Comment (2025-07-07): please see attached Disbursement date, it was XX/XX/XXXX RTC was signed on XX/XX/XXXX nd midnight expiration on XX/XX/XXXX XX/XX/XXXX ill fall on Sunday. --XX<br>Reviewer Comment (2025-06-17): Referenced document expiration date is dated XX/XX/XXXX ot XX/XX/XXXX <br>Buyer Comment (2025-06-16): Appeal, please see (D0677) dated XX/XX/XXXX and (2242) XX/XX/XXXX . --XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537573 | 33502202 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537573 | 33502232 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537573 | 33502260 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | Unable to determine FACTA Credit Score Disclosure was provided due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537573 | 33502263 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537573 | 33502265 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537573 | 33502267 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537575 | 33502258 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537575 | 33502259 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537575 | 33502273 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537575 | 33502360 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537580 | 33503933 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537580 | 33503935 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537580 | 33503953 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-13): Exception remains, Document required.<br>Buyer Comment (2025-06-12): title not required as loan is a HELOC |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537580 | 33515329 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537596 | 33486836 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537596 | 33486837 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537596 | 33486888 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537596 | 33486889 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537596 | 33486914 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537596 | 33486916 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537596 | 33486918 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537611 | 33486401 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537611 | 33486402 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537611 | 33486428 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537611 | 33486429 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537611 | 33487669 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537611 | 33487671 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537611 | 33487673 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537611 | 33487674 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  | Reviewer Comment (2025-05-30): Exception remains, missing ARM disclosure from loan file.<br>Buyer Comment (2025-05-29): Appeal. Found ARM disclosure. Please refer to #D0429 XXXX<br>Buyer Comment (2025-05-29): Appeal. Document found. Please refer to Doc ID #D0430 XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537611 | 33487675 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537645 | 33502237 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-06-04): Exception remains, Flood determination received is post origination.<br>Buyer Comment (2025-05-30): XX/XX/XXXX appeal - Flood Cert is attached. - XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537645 | 33502238 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537645 | 33503007 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537656 | 33485955 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537656 | 33486052 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537656 | 33486088 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537656 | 33486314 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537656 | 33486316 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537661 | 33502189 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537661 | 33503184 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537661 | 33503185 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537661 | 33503206 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537661 | 33503207 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537661 | 33503210 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537661 | 33503211 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537661 | 33503213 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $274.27. | Itemization reflects Prepaid Finance Charges $0.00. |  | Reviewer Comment (2025-06-05): Exception remains, Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the flood fee, origination fee, or settlement/closing fee.<br>Buyer Comment (2025-06-03): Appeal: Please see XXXXXXBoarding Data showing that no loan charges were financed or paid in cash by the borrower. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537667 | 33502222 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537667 | 33502234 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Buyer Comment (2025-07-10): Appeal: Legal & Vesting Report/title search provide, please escalate. XX<br>Reviewer Comment (2025-06-04): Exception remains, 1st lien mortgage transaction<br>Buyer Comment (2025-06-04): 6.4.25 Appeal. The subject loan was a HELOC refinance in March 2007 and attached is Title Search. The HUD-I shows $22.00 was collected for a Title Search not a Title Policy. As a result only a title search was requested. Please review and rescind. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537667 | 33502235 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (2025-06-23): Promissory Note is not a line of credit. Tape data and post closing property report indicate this was a 1st lien position in XXXX.<br>Buyer Comment (2025-06-21): 06-21-2025 Appeal2. Subject HELOC was originated as a second lien. Moving from 2nd lien to 1st lien post closing should not affect the evaluation of GFE and how it relates to RESPA. Please see XXXXX for Notice of Insurance Requirements bottom line Lien Position stating "This loan is in Second Lien position". XX<br>Reviewer Comment (2025-06-04): Exception remains, loan is a 1st lien mortgage transaction.<br>Buyer Comment (2025-06-04): 6.4.25 Appeal. The subject loan is a HELOC which did not require a GFE. Please review and rescind. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537667 | 33502242 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537667 | 33502244 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-06): Exception remains, unable to determine specific property type at origination.<br>Buyer Comment (2025-06-04): 6.4.25 Appeal. Upon reviewing the loan file it is a refinance of a HELOC having closed on XX/XX/XXXX. Please see attached highlighted section of the Boarding Data Sheet from origination showing the property type. Please review and rescind. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537667 | 33502246 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537667 | 33502247 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537669 | 33502683 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Affidavit of Borrower(s) and Mortgagor(s) # 2 Borrower has received the notices and information Borrower is entitled to receive under the law, including, without limitation, the Truth-in-Lending Act, the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537669 | 33502740 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537669 | 33502741 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Affidavit of Borrower(s) and Mortgagor(s) # 2 Borrower has received the notices and information Borrower is entitled to receive under the law, including, without limitation, the Truth-in-Lending Act, the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. GFE not required. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537669 | 33503324 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537669 | 33503326 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537669 | 33503328 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537669 | 33503329 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Reviewer Comment (2025-06-06): Exception remains, title commitment referenced is not for subject transaction.<br>Buyer Comment (2025-06-06): XX/XX/XXXX Appeal: 9th Circuit. The correct H8 form was used due the loan not being a same lender refinance. (Per the lien search on the title in the file) In title at the time of this transaction XXXXX and Lender on the transaction XXXXX. It should be reduced to EV1. /XX<br>Buyer Comment (2025-06-05): Appeal - See HUD, Lender XXXXX, payoff to XXXXX. See payoff that is RE: The subject property address with statement that a Substitution of Trustee and/or Reconveyance will be furnished when the instructions are completed we are paid in full, this action by XXXXX concludes that they had a lien on the subject property at origination, the ROR form H-8 is accurate. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537669 | 33503330 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  | Reviewer Comment (2025-06-06): Exception remains, RTC eligible disbursement date should be XX/XX/XXXX .<br>Buyer Comment (2025-06-05): Appeal - Rescission uses the Federal/specific business day definition "all calendar days except Sundays and legal public holidays" (not the general business day definition). |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537669 | 33503331 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Reviewer Comment (2025-06-06): Exception remains, RTC eligible disbursement date should be XX/XX/XXXX .<br>Buyer Comment (2025-06-05): Appeal - Rescission uses the Federal/specific business day definition "all calendar days except Sundays and legal public holidays" (not the general business day definition). |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537688 | 33507661 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537688 | 33508111 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (2025-06-13): Exception remains, Disbursement date not provided.<br>Buyer Comment (2025-06-10): Appeal. Please see XXXX internal screenshot showing disbursement or funding date. XX/XX/XXXX - kindly review. XXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537688 | 33508113 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537710 | 33492471 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537710 | 33492472 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (2025-06-13): Exception remains, Disbursement date not provided<br>Buyer Comment (2025-06-10): Appeal. Kindly see XXXX internal screenshot showing disbursement or funding date XX/XX/XXXX XXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537758 | 33491899 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537758 | 33491900 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537758 | 33492289 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537758 | 33492290 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537758 | 33492291 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537758 | 33492299 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537763 | 33486421 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537763 | 33486460 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537763 | 33486462 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537796 | 33493710 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158537796 | 33493729 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537796 | 33493732 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537796 | 33493740 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537796 | 33493741 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158537796 | 33493746 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537797 | 33492136 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537797 | 33493425 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  | Reviewer Comment (2025-06-09): Exception remains, exception not being cited under TILA, but under the SAFE Act, which requires a unique identifier to be provided in any initial written communication (paper or electronic) from the MLO to the consumer (such as a commitment letter, good faith estimate, or disclosure statement).<br>Buyer Comment (2025-06-04): Appeal: NMLS identifier requirement did not apply to HELOC's at the time of origination |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537797 | 33493426 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537797 | 33498694 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537806 | 33491611 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Buyer Comment (2025-07-10): Appeal: Legal & Vesting Report/title search provided, please escalate. XX<br>Reviewer Comment (2025-06-04): Exception remains, final title needed for 1st lien transaction<br>Buyer Comment (2025-06-02): this will not clear for final title but will clear evidence of title in file at origination.gs.<br>Buyer Comment (2025-06-02): 6.2.25 Appeal please see attached Original title dated XX/XX/XXXX as evidence of title in file. kindly review rescind.XX., |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537806 | 33491612 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537806 | 33491674 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537806 | 33491676 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537806 | 33498679 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537806 | 33508438 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537808 | 33488197 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537808 | 33488198 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Mortgagor's Statement # 2 Borrower has received the notices and information Borrower is entitled to receive under the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537808 | 33488218 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537808 | 33488221 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537808 | 33488224 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537808 | 33488237 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537808 | 33488238 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537808 | 33488239 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537808 | 33488246 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Mortgagor's Statement # 2 Borrower has received the notices and information Borrower is entitled to receive under the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. GFE not required<br>Reviewer Comment (2025-06-03): Exception remains, subject transaction is a 1st mortgage loan and not a HELOC.<br>Buyer Comment (2025-06-03): Appeal - A Good Faith Estimate (GFE) is not required for Home Equity Lines of Credit (HELOCs). HELOCs were exempt from the requirements of RESPA (Real Estate Settlement Procedures Act) and thus do not require a GFE. Instead, HELOCs are subject to Regulation Z (Truth in Lending). |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537808 | 33488247 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537809 | 33502330 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537809 | 33502340 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537809 | 33502343 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537809 | 33502384 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537809 | 33502399 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537809 | 33549967 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $121.77. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537812 | 33491685 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537812 | 33491687 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537812 | 33491688 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537812 | 33491690 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537812 | 33491693 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537819 | 33492611 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537819 | 33492613 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537819 | 33492664 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537819 | 33492665 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537819 | 33492670 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537819 | 33492671 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537819 | 33550227 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $199.35. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537829 | 33491683 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537829 | 33491763 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537829 | 33491875 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537829 | 33491877 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537829 | 33491879 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537829 | 33491880 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537829 | 33491881 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537829 | 33491882 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537829 | 33491883 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Michigan Late Charge Percent and Amount Testing | Michigan Late Charge: Note late charge of $XX exceeds state maximum of 5% or $15, whichever is greater. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537834 | 33493544 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537834 | 33493549 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-05-30): Exception remains, Unable to determine specific property type at origination. (Single family detached vs single family attached vs PUD)<br>Buyer Comment (2025-05-29): XX/XX/XXXX - Document found in XXXX, Page 26 of 204, DXXXXX, showing the property type as Single family residence-XXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537841 | 33491891 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537841 | 33491892 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537841 | 33492033 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537841 | 33492179 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537841 | 33492243 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537857 | 33491777 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537857 | 33491779 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537857 | 33491829 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537857 | 33491863 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537857 | 33491910 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537857 | 33491913 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537857 | 33491917 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Illinois Late Charge Percent Testing | Illinois Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 5%. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537857 | 33491955 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537865 | 33492117 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158537865 | 33492416 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158537865 | 33492448 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537865 | 33492595 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537870 | 33492384 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537870 | 33556896 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537882 | 33491887 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537882 | 33491894 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537882 | 33493381 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537891 | 33492945 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537891 | 33492946 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-16): Promissory Note is not a line of credit. Exception remains. Missing Final Loan Application from Origination.<br>Buyer Comment (2025-06-13): XX/XX/XXXX - Appeal. Final 1003 not applicable on HELOCs.-XXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537891 | 33493011 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537891 | 33493012 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537891 | 33493047 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537891 | 33493048 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537891 | 33493050 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537891 | 33493051 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537891 | 33493052 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537932 | 33492420 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158537932 | 33492585 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158537932 | 33492779 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537932 | 33508691 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537956 | 33502320 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-13): Exception remains, subject loan is not a HELOC.<br>Buyer Comment (2025-06-13): XX/XX/XXXX - Appeal. Final 1003 not applicable on HELOCs.-XXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537956 | 33502370 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537956 | 33502373 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537956 | 33502377 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537956 | 33502378 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537956 | 33502381 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537956 | 33502382 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537956 | 33502390 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537956 | 33502697 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537956 | 33512227 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $544.80. | Amount Financed Itemization file reflects $0.00 Prepaid Finance Charges. |  | Reviewer Comment (2025-06-13): Exception remains, Final HUD reflects closing cost.<br>Buyer Comment (2025-06-11): XX/XX/XXXX - Appeal. Loan is a No Closing Cost loan. No closing costs were charged to the borrower and therefore are not included in the finance charges.-XXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537989 | 33492325 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537989 | 33492326 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537989 | 33492458 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537989 | 33492515 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537989 | 33493448 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537989 | 33493450 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537989 | 33493452 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537989 | 33493453 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537989 | 33493454 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537989 | 33493455 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537989 | 33493456 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $3,247.74. | Under disclosure is due to the lender utilizing an index value of X.XX% , however the index value in the lookback period is X.XX%. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537997 | 33492168 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537997 | 33492255 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158537997 | 33492256 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158537997 | 33492390 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537997 | 33492392 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537997 | 33553690 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $235.83. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158538001 | 33492598 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538001 | 33492600 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538001 | 33496178 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538001 | 33496179 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538001 | 33496290 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538001 | 33496292 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538001 | 33496294 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538001 | 33496295 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538001 | 33496296 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538013 | 33492610 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-13): Exception remains, subject loan is not a HELOC.<br>Buyer Comment (2025-06-12): 6.12.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538013 | 33492758 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538013 | 33492800 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538013 | 33492804 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538013 | 33492806 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538013 | 33492808 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538018 | 33508106 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538018 | 33508139 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Note | TILA HELOC - Credit Agreement Missing | Unable to test HELOC Agreement due to missing information. |  |  | Reviewer Comment (2025-07-03): Exception remains, Missing signature date.<br>Buyer Comment (2025-07-02): Appeal – Signature date not required per form design. See Closing Checklist Page 861 dated XX/XX/XXXX , DXXX ROR signed and dated XX/XX/XXXX .<br>Reviewer Comment (2025-06-13): Exception remains, Missing signature date.<br>Buyer Comment (2025-06-12): XX/XX/XXXX - Please refer to Loan Exception ID XXXX - XXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538018 | 33508140 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Missing | Unable to test billing rights due to missing information. |  |  | Reviewer Comment (2025-07-03): Exception remains, Missing signature date.<br>Buyer Comment (2025-07-02): Appeal – Signature date not required per form design. See Closing Checklist Page 861 dated XX/XX/XXXX , DXXX ROR signed and dated XX/XX/XXXX .<br>Reviewer Comment (2025-06-13): Exception remains, Missing signature date.<br>Buyer Comment (2025-06-12): XX/XX/XXXX - Please see page 349, DXXXX. The Billing Rights disclosure is part of the XXXX and Disclosure (page 8 of 9). The document is signed on page 9. - XXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538018 | 33508142 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538018 | 33508144 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538018 | 33508146 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538025 | 33508045 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $441.66 is underdisclosed from HUD Finance Charge of $854.16 in the amount of $412.50. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower of the error and providing correct information, Proof of Delivery, Refund check for under-disclosed amount, and Re-open Rescission if applicable. B |  |  | Yes B |
| XXXX |  |  | 3158538025 | 33508046 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538025 | 33508047 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-07-03): Per process for alt source for application date, document must state "Application Date" and have lender name to be used.<br>Buyer Comment (2025-07-01): stamped receipt<br>Buyer Comment (2025-07-01): Appeal: Attached please find the XXXX stamped receipt of initial 1003 dated XX/XX/XXXX . Chase is asking if this would be acceptable alternative documentation to establish date of initial application for lender. Thank you, |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538050 | 33502388 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538050 | 33502402 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538050 | 33502404 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538050 | 33502405 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Illinois Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538050 | 33502406 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty | Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538050 | 33521401 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538073 | 33507729 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538073 | 33507731 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538073 | 33507952 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538073 | 33512213 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538078 | 33503730 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - UTD | C |  |  | No B |
| XXXX |  |  | 3158538078 | 33503758 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - UTD | C |  |  | No B |
| XXXX |  |  | 3158538078 | 33503805 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  | Reviewer Comment (2025-06-06): Exception remains, Document provided does not state flood zone. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158538078 | 33503807 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-06): Exception remains, document provided does not specific the specific property type at origination.<br>Buyer Comment (2025-06-04): 6.4.25 Appeal. Upon reviewing the loan file it is a refinance of a HELOC having closed on XX/XX/XXXX. Please see attached highlighted sections of the Boarding Data Sheet and Borrower Disbursement Authorization from origination showing the property type. Please review and rescind. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158538078 | 33514061 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158538083 | 33486054 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538083 | 33486059 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-06-02): No action<br>Buyer Comment (2025-05-29): Please disregard prior appeal. XX<br>Buyer Comment (2025-05-29): XX/XX/XXXX Appeal. Please see attached Disbursement Request and Authorization form and XXXX XXX Servicing screen which includes a statement on Flood Insurance including the flood map and date and that the subject is NOT in a flood zone. The servicing screen shows the Zone is X and that the mapping has not changed since XXXX. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538083 | 33486067 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538083 | 33486068 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538083 | 33486114 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538083 | 33486116 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538115 | 33485880 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-05-30): Exception remains, Document referenced is post origination.<br>Buyer Comment (2025-05-29): Document found. Please refer to Doc ID #XXXXX. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538115 | 33485951 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538115 | 33486013 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538115 | 33486014 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538115 | 33486016 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Illinois Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538115 | 33486017 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty | Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538118 | 33486942 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538118 | 33486943 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538118 | 33486976 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538118 | 33486988 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538118 | 33487007 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538118 | 33487009 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538118 | 33487011 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538118 | 33487012 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538122 | 33508102 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538122 | 33508222 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538122 | 33508427 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538122 | 33508430 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538122 | 33514168 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538125 | 33486998 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538125 | 33487109 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538125 | 33487110 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538125 | 33487200 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538125 | 33487201 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538125 | 33487203 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538131 | 33507374 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538131 | 33507378 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538131 | 33507398 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538131 | 33507399 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538131 | 33507401 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538131 | 33507404 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $218.39. | Amount Financed Itemization does not include Settlement/Closing fee XX/XX/XXXX 20.00 as a prepaid finance charge. |  | Reviewer Comment (2025-06-03): Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the flood fee, origination fee, or settlement/closing fee.<br>Reviewer Comment (2025-06-03): The Settlement fee XX/XX/XXXX 20.00 is not included in the Financed Items. Exception remains.<br>Buyer Comment (2025-06-03): Appeal: Please see XXXXX Boarding Data showing the borrower paid charges were all financed and no charges were paid by the borrower in cash.<br>Reviewer Comment (2025-06-02): Exception remains. Closing fee POC does not list Payor.<br>Buyer Comment (2025-06-02): Appeal: Closing fee was not paid by the borrower and therefore excluded from the ppfc's. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158538131 | 33507421 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538171 | 33487487 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538171 | 33487622 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538171 | 33487721 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538171 | 33487737 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538171 | 33487739 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538171 | 33487741 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538171 | 33554587 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $112.73. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158538193 | 33503070 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538193 | 33503244 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538193 | 33503245 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  | Reviewer Comment (2025-06-09): Exception remains, disclosure to be provided at time of application.<br>Buyer Comment (2025-06-05): 06-05-2025 Appeal. Please note, this is a XXXXX On the House HELOC Agreement and Disclosure. Disclosure terms are incorporated into the Note. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538193 | 33503246 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538193 | 33503248 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538193 | 33503250 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158538193 | 33512180 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538195 | 33502578 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538195 | 33502579 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538195 | 33502617 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538195 | 33502618 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538195 | 33502624 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538195 | 33502625 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538195 | 33502626 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538195 | 33502628 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538195 | 33502630 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538218 | 33506168 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538218 | 33506196 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538218 | 33506267 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538218 | 33506269 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538218 | 33506272 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538218 | 33506273 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538218 | 33506274 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538218 | 33506311 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538228 | 33503049 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538228 | 33503279 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538261 | 33502453 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538261 | 33503837 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538261 | 33503839 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $270.48. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158538302 | 33488798 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-19): This HELOC is a 1st position lien - Title required.<br>Buyer Comment (2025-06-18): loan was a HELOC - title not required |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538302 | 33494747 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538302 | 33494748 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538302 | 33494750 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  | Reviewer Comment (2025-06-13): Exception remains. Loan disbursed XX/XX/XXXX per HELOC. Equal to RTC expiration date.<br>Buyer Comment (2025-06-10): XX/XX/XXXX . Appeal. Notice of Right to Cancel located in XXXXX signed XX/XX/XXXX , RTC midnight of XX/XX/XXXX (since XX/XX/XXXX is a holiday). YSP |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158538312 | 33507479 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538312 | 33507493 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538312 | 33507548 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538312 | 33507616 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  | Reviewer Comment (2025-07-02): The Flood Zone is not on the Appraisal. It is blank.<br>Buyer Comment (2025-07-01): Appeal: Please advise if there has been a change of opinion on using origination appraisal to document flood zone on these older loans. I believe we have used the 1st page of appraisal showing flood zone previously.<br>Reviewer Comment (2025-06-04): Exception remains, no flood zone provided.<br>Buyer Comment (2025-06-02): Appraisal<br>Buyer Comment (2025-06-02): Appeal: Attached please find the subject original page 1 of appraisal with flood zone information completed, which reflects subject property is not in a flood zone. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538324 | 33507381 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538324 | 33507463 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538324 | 33507499 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538324 | 33507501 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538324 | 33507503 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538324 | 33507504 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538329 | 33487088 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538329 | 33487089 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538329 | 33487318 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538329 | 33487319 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538329 | 33487366 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538329 | 33487367 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538348 | 33507305 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538348 | 33507306 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538348 | 33507539 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538348 | 33507540 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538348 | 33507542 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538348 | 33507544 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538348 | 33507551 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538348 | 33507552 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538351 | 33507857 | XX/XX/XXXX | Compliance | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | (Doc Error) Loan was portrayed as first lien but found to be a second lien |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538351 | 33508020 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538351 | 33508029 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538351 | 33508031 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538351 | 33521741 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538352 | 33507427 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-16): Promissory Note is not a line of credit. Exception remains. Missing Final Loan Application from Origination.<br>Buyer Comment (2025-06-13): XX/XX/XXXX - Appeal. Final 1003 not applicable on HELOCs.-XXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538352 | 33507428 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538352 | 33507518 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538352 | 33507519 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538352 | 33507642 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538352 | 33507643 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538352 | 33507645 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538352 | 33507647 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538352 | 33507648 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538352 | 33507649 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538364 | 33507808 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538381 | 33502516 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538381 | 33502537 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538381 | 33502538 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538381 | 33502548 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538381 | 33502550 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538381 | 33502552 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538381 | 33502553 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538381 | 33502554 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538385 | 33502511 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538385 | 33503527 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538385 | 33503528 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  | Reviewer Comment (2025-06-13): Exception remains, Document provided is insufficient to determine occupancy.<br>Buyer Comment (2025-06-11): Please see attached.<br>Buyer Comment (2025-06-11): Please see attached disclosure statement which indicates the occupancy. |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538385 | 33503529 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538385 | 33503550 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538385 | 33503551 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538385 | 33503553 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538385 | 33503555 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158538391 | 33486152 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538391 | 33486188 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538391 | 33486191 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538391 | 33486244 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538391 | 33486245 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538391 | 33486283 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538391 | 33486284 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538391 | 33486285 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538391 | 33486286 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538394 | 33502293 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538394 | 33502294 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538394 | 33502309 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538394 | 33502310 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538394 | 33502323 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538394 | 33502324 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538394 | 33502326 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538394 | 33502328 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538399 | 33502518 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538399 | 33502519 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538399 | 33503778 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538399 | 33503781 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538399 | 33503784 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538399 | 33503813 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538399 | 33503814 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538399 | 33503821 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538419 | 33502490 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538419 | 33502525 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538419 | 33504118 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538419 | 33504119 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538419 | 33504121 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538419 | 33504122 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538421 | 33502587 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538421 | 33502657 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538421 | 33502671 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538421 | 33502674 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Indiana Late Charge Amount Testing | Indiana Late Charge: Note late charge amount of $XX exceeds the state maximum of $16.50. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538421 | 33503496 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538421 | 33522200 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538427 | 33507759 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-19): This HELOC is a 1st position lien - Title required.<br>Buyer Comment (2025-06-18): loan was a HELOC - title not required |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538427 | 33508005 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538427 | 33508007 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538427 | 33522294 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538438 | 33488348 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538438 | 33488349 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538438 | 33488358 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538439 | 33507484 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158538439 | 33507486 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158538439 | 33522388 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158538465 | 33507462 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-16): Promissory Note is not a line of credit. Exception remains. Missing Final Loan Application from Origination.<br>Buyer Comment (2025-06-13): XX/XX/XXXX - Appeal. Final 1003 not applicable on HELOCs.-XXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538465 | 33507466 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538465 | 33507508 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538465 | 33507509 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538465 | 33507590 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538465 | 33507591 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538465 | 33507593 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538465 | 33507595 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538466 | 33507452 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538466 | 33507453 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538466 | 33507471 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538466 | 33507473 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538466 | 33507561 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538466 | 33507562 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538466 | 33507564 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-05): Exception remains, unable to determine specific property type at origination. (Condo Low Mid or High)<br>Buyer Comment (2025-06-03): Appeal. Please refer to DXXXXX for property type XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538466 | 33507566 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538466 | 33507567 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538466 | 33507568 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538477 | 33507112 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538477 | 33507247 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538477 | 33507251 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538477 | 33507253 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538485 | 33502601 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538485 | 33502603 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538485 | 33502605 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538485 | 33502609 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538485 | 33502633 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538501 | 33502841 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  | Buyer Comment (2025-07-07): See HUD and Itemization lender paid the increase, the fee was disclosed for what the borrower would pay as per verbiage above fees.<br>Reviewer Comment (2025-07-03): Exception remains, XX Document stamp disclosed on HELOC as an amount lower than charged on HUD for state stamps.<br>Buyer Comment (2025-07-02): Appeal – HELOC reflects XX Documentary Stamp Tax, this fee is the same fee as on HUD for State tax/stamps and Disbursement Instructions and Financed Itemization Disclosure and named XX Documentary Stamp Tax.<br>Reviewer Comment (2025-06-13): Exception remains, State tax stamps on HUD was not disclosed on HELOC.<br>Buyer Comment (2025-06-11): XX/XX/XXXX - Appeal: Closing costs on page 5 of the HELOC agreement match closing costs on the HUD1 with the exception of the $5.00 flood cert fee. The only variance between the documents are payoffs in the 1300s. Note: Unsecured payoffs, like personal loans or credit card debts, are typically not classified as closing costs under the RESPA. Closing costs are specifically related to expenses directly associated with the real estate transaction. However not an issue due to less than the $100 finance tolerance |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | A |  |  | No B |
| XXXX |  |  | 3158538501 | 33502859 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158538501 | 33502994 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158538507 | 33507422 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538507 | 33507423 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-06-17): Document provided is not the flood certificate<br>Buyer Comment (2025-06-17): Appeal – Please see attached. Please refer to the Collateral Summary of the Boarding Data Sheet which reflected the map date, map #, flood section (not in flood area), and flood notice date of the flood cert at time of origination supporting not in flood zone. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538507 | 33507521 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538507 | 33507602 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538507 | 33507604 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538507 | 33507606 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538514 | 33508011 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538514 | 33508084 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538514 | 33508086 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538542 | 33507625 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158538542 | 33507636 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158538542 | 33507640 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158538542 | 33522912 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158538572 | 33508313 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538572 | 33508317 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Illinois Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538572 | 33508318 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty | Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538572 | 33508348 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538572 | 33569550 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538583 | 33507766 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | Yes B |
| XXXX |  |  | 3158538583 | 33507771 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538583 | 33507773 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538583 | 33522610 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538600 | 33507464 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538600 | 33507467 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538600 | 33507477 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538600 | 33507478 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-10): Exception remains, missing final title from loan file.<br>Buyer Comment (2025-06-06): title |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538600 | 33507576 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538600 | 33507578 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538604 | 33507756 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-13): Exception remains, subject loan is not a HELOC.<br>Buyer Comment (2025-06-12): 6.12.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required. XX. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538604 | 33507760 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538604 | 33508052 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538604 | 33508054 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538604 | 33508246 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538604 | 33508247 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538604 | 33508249 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538604 | 33508254 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158538617 | 33507458 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538617 | 33507459 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538617 | 33507689 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538617 | 33507690 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538617 | 33507692 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538617 | 33507694 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538617 | 33507716 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538617 | 33507718 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538617 | 33555051 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $232.14. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158538619 | 33502489 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538619 | 33502494 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538619 | 33502498 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538619 | 33503580 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538619 | 33503583 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538619 | 33503585 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538649 | 33502716 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538649 | 33502717 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538649 | 33502732 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538653 | 33502634 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX XXXX, Closed End – Correction - 2nd Lien, not exempt<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Affidavit of Borrower(s) and Mortgagor(s) # 2 Borrower has received the notices and information Borrower is entitled to receive under the law, including, without limitation, the Truth-in-Lending Act, the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). The Loan is a Second Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538653 | 33502641 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX XXXX, Closed End – 2nd Lien, not exempt<br>Buyer Comment (2025-06-03): Appeal - A Good Faith Estimate (GFE) is not required for Home Equity Lines of Credit (HELOCs). HELOCs were exempt from the requirements of RESPA (Real Estate Settlement Procedures Act) and thus do not require a GFE. Instead, HELOCs are subject to Regulation Z (Truth in Lending). |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538653 | 33502642 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538653 | 33502768 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538653 | 33502769 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538653 | 33502771 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538653 | 33502775 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Ohio Late Charge Percent and Amount Testing | Ohio Late Charge: Note late charge of $XX exceeds state maximum of 5% or $15, whichever is greater. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538655 | 33503060 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538660 | 33504270 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $30.00 is underdisclosed from HUD Finance Charge of $724.50 in the amount of $694.50. |  |  | Reviewer Comment (2025-07-02): Exception remains, a settlement fee and tax service fee fee not disclose on HELOC agreement.<br>Buyer Comment (2025-06-27): The fees cited were not borrower paid fees. No fee HELOC.<br>Reviewer Comment (2025-06-25): Exception remains, a settlement fee and tax service fee fee not disclose on HELOC agreement.<br>Buyer Comment (2025-06-23): See section IV of the Note, Fees and Charges: Finance Charges and other fees and charges at closing. You agree to pay the following finance charges and other fees and charges, which will be charged to your credit line on the effective disbursement date unless paid to us on or before that date. With the borrower(s) being charges No fees Please provide what should have been listed on the HELOC agreement that is on the HUD.<br>Reviewer Comment (2025-06-13): Exception remains. Fees described in documentation cited do not correspond to actual fees reflected on HUD.<br>Buyer Comment (2025-06-11): Appeal - Loan is a No Fee HELOC. See Disbursement Instructions and Financed Itemization Disclosure, Total Itemization of the Amount Financed $XXX,XXX.XX, Page 1 section 4 Lender Paid fees and page 2 Lender Paid Fees and Charges, please remove from the LAS Report and retest. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower of the error and providing correct information, Proof of Delivery, Refund check for under-disclosed amount, and Re-open Rescission if applicable. B |  |  | Yes B |
| XXXX |  |  | 3158538660 | 33504271 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  | Reviewer Comment (2025-07-02): Exception remains, a settlement fee and tax service fee fee not disclose on HELOC agreement.<br>Buyer Comment (2025-06-27): The fees cited were not borrower paid fees. No fee HELOC.<br>Reviewer Comment (2025-06-25): Exception remains, a settlement fee and tax service fee fee not disclose on HELOC agreement.<br>Buyer Comment (2025-06-23): See section IV of the Note, Fees and Charges: Finance Charges and other fees and charges at closing. You agree to pay the following finance charges and other fees and charges, which will be charged to your credit line on the effective disbursement date unless paid to us on or before that date. With the borrower(s) being charges No fees Please provide what should have been listed on the HELOC agreement that is on the HUD.<br>Reviewer Comment (2025-06-13): Exceptions remain. Fees pf documentation provided does not match fees on HUD.<br>Buyer Comment (2025-06-11): Appeal – Loan is a No Fee HELOC. See Disbursement Instructions and Financed Itemization Disclosure, Total Itemization of the Amount Financed $XXX,XXX.XX, page 1 fees Lender Paid, See also page 2 also Lender Paid Fees and Charges. No fees or charges were borrower paid. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | A |  |  | No B |
| XXXX |  |  | 3158538660 | 33504273 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158538670 | 33486955 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538670 | 33487016 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538670 | 33487017 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538670 | 33487018 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538670 | 33487019 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538670 | 33487022 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538670 | 33487023 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158538674 | 33502750 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538674 | 33502803 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538674 | 33502924 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538674 | 33502926 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538674 | 33502929 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Indiana Late Charge Amount Testing | Indiana Late Charge: Note late charge amount of $XX exceeds the state maximum of $16.50. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538674 | 33502938 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538678 | 33502932 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538678 | 33502933 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538678 | 33502952 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538678 | 33502955 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538678 | 33502958 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-11): Exception remains, unable to determine specific property type at origination.<br>Buyer Comment (2025-06-07): 6.7.25 Appeal. Please see attached highlighted section of the Boarding Data Sheet from origination showing the property type. Please review and rescind. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538678 | 33502967 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538678 | 33502974 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538689 | 33503998 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538708 | 33487302 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538708 | 33487356 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538708 | 33487358 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538708 | 33487438 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538708 | 33487440 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538708 | 33487442 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538708 | 33487443 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538709 | 33502937 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-13): Exception remains, subject loan is not a HELOC.<br>Buyer Comment (2025-06-13): XX/XX/XXXX appeal. Final 1003 is not applicable for a HELOC - XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538709 | 33503117 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538709 | 33503127 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538709 | 33503129 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538709 | 33503131 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538710 | 33508420 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-13): Exception remains. Per process for alt source for application date, document must state "Application Date" and have lender name to be used.<br>Buyer Comment (2025-06-10): XX/XX/XXXX Appeal: Please see XXXXXXX which shows the borrower began the application process on XX/XX/XXXX . The application was also accepted and auto referred on XX/XX/XXXX . All disclosures were provided to the borrower on XX/XX/XXXX . XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538713 | 33508094 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538713 | 33508096 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538713 | 33508130 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538713 | 33508267 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538713 | 33508268 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538713 | 33508270 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-17): Referenced XXXXXXX ot specify type of property, ie: SFR detached/attached/PUD, etc. Missing Appraisal from origination.<br>Buyer Comment (2025-06-14): XX/XX/XXXX Appeal. Please see attached origination valuation reflecting subject property as single family - "S" as property type. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538713 | 33508273 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $216.02. | Amount Financed Itemization does not include $220.00 Settlement Fee. |  | Reviewer Comment (2025-06-17): Exception remains, POC settlement fee included in testing as no evidence of show paid the fee.<br>Buyer Comment (2025-06-14): XX/XX/XXXX Appeal. Re-calculated finance charge and yielded ppfc accurate result. There were only 2 finance charges on the TIL - $50 for origination and $8 Flood cert. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158538717 | 33488618 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538717 | 33488619 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-06-17): Document provided is not the flood certificate<br>Buyer Comment (2025-06-17): XX/XX/XXXX appeal – Please see attached. Please refer to the Collateral Summary of the Boarding Data Sheet which reflected the map date, map #, flood section (not in flood area), and flood notice date of the flood cert at time of origination supporting not in flood zone. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538717 | 33488805 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538717 | 33488806 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538717 | 33488822 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538717 | 33488823 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538723 | 33508235 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No C |
| XXXX |  |  | 3158538723 | 33508240 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No C |
| XXXX |  |  | 3158538723 | 33508242 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No C |
| XXXX |  |  | 3158538723 | 33508243 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | RTC Executed | TILA - Right To Cancel: Loan file contains evidence consumer rescinded loan. | Borrower signed I Wish to Cancel on the RTC provided. |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - UTD | C |  |  | No C |
| XXXX |  |  | 3158538723 | 33528949 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No C |
| XXXX |  |  | 3158538723 | 33538670 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes C |
| XXXX |  |  | 3158538723 | 33538671 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes C |
| XXXX |  |  | 3158538730 | 33507714 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538730 | 33507715 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538730 | 33507761 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538730 | 33507763 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538730 | 33507973 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538730 | 33507976 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538730 | 33507979 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538730 | 33507995 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538730 | 33507996 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538730 | 33507997 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538745 | 33488075 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538745 | 33488076 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538745 | 33488078 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538751 | 33486393 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538751 | 33486398 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538751 | 33486657 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538751 | 33486675 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (2025-06-12): Exception remains. The disbursement date should come from page one of the HUD. When page one is missing this information, we look for evidence of funding from the settlement agent. If none found, our system will use the "Interest From" date to be able to run compliance and will also generate a level 2 exception. Unable to determine Funding Worksheet from the settlement agent.<br>Buyer Comment (2025-06-10): Appeal. Please see doc page 1318 and Doc ID XXXXX - funding date shows XX/XX/XXXX which is after rescission end date on XX/XX/XXXX . XXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538751 | 33486677 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br>Buyer Comment (2025-06-10): Appeal. Property Type determined in Comment Summary doc. Please refer to Doc ID XXXXX XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538751 | 33486679 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  | Reviewer Comment (2025-06-12): Exception remains. The disbursement date should come from page one of the HUD. When page one is missing this information, we look for evidence of funding from the settlement agent. If none found, our system will use the "Interest From" date to be able to run compliance and will also generate a level 2 exception. Unable to determine Funding Worksheet from the settlement agent.<br>Buyer Comment (2025-06-10): Appeal. Please see doc page 1318 and Doc ID XXXXX - funding date shows XX/XX/XXXX which is after rescission end date on XX/XX/XXXX . XXX<br>Buyer Comment (2025-06-10): Appeal. Please see doc page 1318 - funding date shows XX/XX/XXXX which is after rescission end date on XX/XX/XXXX . XXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158538751 | 33556523 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $287.78. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Reviewer Comment (2025-07-08): Exception remains. Under disclosure is in the total of payments. No fees are included in this amount. Final TIL reflects 240 payments at the same amount while the calculated payments are 239 at the amount on the Note with a final payment $287.78 more than the Note payment.<br>Buyer Comment (2025-07-01): Appeal – See HUD D0604, Itemization XXXXX and GFE XXXXX all fees are verified to be lender paid. Verify LAS report findings. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158538752 | 33508371 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $50.00 is underdisclosed from HUD Finance Charge of $1,135.00 in the amount of $1,085.00. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower of the error and providing correct information, Proof of Delivery, Refund check for under-disclosed amount, and Re-open Rescission if applicable. B |  |  | Yes B |
| XXXX |  |  | 3158538752 | 33508372 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | A |  |  | No B |
| XXXX |  |  | 3158538752 | 33508374 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br>Buyer Comment (2025-06-08): Appeal – See Credit Investigation Property Type SFR |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158538752 | 33508376 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty | Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of XX.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158538752 | 33508410 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158538794 | 33508182 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538794 | 33508338 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  | Reviewer Comment (2025-06-05): Exception remains, missing enough information to determine occupancy.<br>Buyer Comment (2025-06-03): Boarding data and rescissions<br>Buyer Comment (2025-06-03): Appeal: Attached please find the boarding data showing the loan closed as a primary residence. Additionally, based on the subject closing with rescissions, it was a primary residence transaction, as investment and second home rrefinances/extensions of credit do not require any rescission. Thank you |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538794 | 33508362 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538794 | 33508363 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538794 | 33508364 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538794 | 33508366 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Ohio Late Charge Percent and Amount Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538807 | 33508264 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538807 | 33508305 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538807 | 33508319 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538807 | 33508484 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538807 | 33508486 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-11): Exception remains, unable to determine specific property type at origination.<br>Buyer Comment (2025-06-07): 6.7.25 Appeal. Please see attached highlighted section of the Boarding Data Sheet from origination showing the property type. Please review and rescind. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538807 | 33508488 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538807 | 33508516 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538823 | 33508203 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538823 | 33508543 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538823 | 33508546 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538827 | 33508057 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538827 | 33508199 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538827 | 33508572 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538827 | 33508574 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538827 | 33508576 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538827 | 33508577 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538829 | 33508466 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538829 | 33508650 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538846 | 33486680 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538846 | 33486964 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  | Reviewer Comment (2025-06-12): Exception remains.<br>Buyer Comment (2025-06-09): Please disregard prior appeal.<br>Buyer Comment (2025-06-09): 6-9-25 APPEAL; A new Regulation Z requirement promulgated by the CFPB (see forthcoming 12 CFR § 1026.36[g]) requires the name and NMLS number of the loan originator organization and the individual loan originator (with primary responsibility for the origination of the loan) to appear on the following documents, in connection with a closed-end credit transaction secured by a dwelling:<br> 1. The loan application;<br> 2. The promissory note or loan contract; and<br> 3. The security instrument.<br> It is expected that this requirement will also extend to the forthcoming Loan Estimate and Closing Disclosure as well. Excluded from this requirement are home equity lines of credit and loans secured by a consumer's interest in a timeshare plan (see forthcoming Ibid. § 1026.36[b]). This requirement takes effect on January 10, 2014. /XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) B |  |  | Yes B |
| XXXX |  |  | 3158538867 | 33513402 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538867 | 33513403 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538867 | 33513772 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538867 | 33513840 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538867 | 33514081 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538870 | 33508469 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538870 | 33508519 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538890 | 33508445 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538890 | 33508446 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538890 | 33508452 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538890 | 33508454 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538890 | 33508492 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538890 | 33508493 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538890 | 33508495 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538895 | 33508281 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-06): Exception remains. Dates on GFE provided not legible for captured. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538895 | 33508293 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (2025-06-06): Exception remains. Date on GFE not legible for capture.<br>Buyer Comment (2025-06-04): GFE |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538895 | 33508629 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538895 | 33508644 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $36.12. | TIL Amount Financed Itemization does not include $35.00 Tax Cert |  | Reviewer Comment (2025-06-13): Exception remains. Tax Cert fee included in prepaid finance charges.<br>Buyer Comment (2025-06-09): Appeal: Tax Cert fee of $35 was paid to the settlement agent and for the purposes of determining taxes due and payable in connection with the transaction. DXXXX<br>Reviewer Comment (2025-06-09): Exception remains. Loan closed XX/XX/XXXX .<br>Buyer Comment (2025-06-04): Loan/Line closed prior to the XXXX TILA Amendment and all borrower paid fees to the broker can be excluded. (Ex. loan XXXXXXX). |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158538909 | 33503377 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538909 | 33503379 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538909 | 33504099 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538909 | 33504294 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Reviewer Comment (2025-06-11): RTC is not for the subject lien, appears to be for a concurrent 2nd.<br>Buyer Comment (2025-06-08): Disclosure<br>Buyer Comment (2025-06-08): ROR - Disbursement |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158538909 | 33504318 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538924 | 33487252 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No C |
| XXXX |  |  | 3158538924 | 33826960 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Number of Units | Number of Units for the Primary Valuation was not provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Buyer Comment (2025-07-08): XX/XX/XXXX Attached XXXXXX screen print shows number of units at origination - XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No C |
| XXXX |  |  | 3158538937 | 33503292 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158538937 | 33504062 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158538937 | 33504224 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158538937 | 33504226 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158538937 | 33504228 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158538937 | 33538361 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158538940 | 33503317 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538940 | 33503361 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538940 | 33503369 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538940 | 33503370 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538940 | 33503372 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538940 | 33503373 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538940 | 33503374 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538940 | 33503375 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538951 | 33504027 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538951 | 33504031 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538962 | 33504357 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538962 | 33504365 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538962 | 33504366 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538962 | 33504387 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538962 | 33504390 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538962 | 33504392 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538962 | 33504394 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158538962 | 33519565 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539041 | 33508101 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539041 | 33508105 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539041 | 33508154 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539041 | 33508156 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539041 | 33508158 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539051 | 33487502 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539051 | 33487504 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539051 | 33487506 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539051 | 33487508 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| XXXX |  |  | 3158539051 | 33487543 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539051 | 33487549 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539056 | 33508514 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539056 | 33508537 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539056 | 33508538 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539056 | 33508610 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539056 | 33508612 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539056 | 33508614 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539056 | 33508615 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539079 | 33503365 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539079 | 33503366 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-16): Promissory Note is not a line of credit. Exception remains. Missing Final Loan Application from Origination.<br>Buyer Comment (2025-06-13): XX/XX/XXXX - Appeal. Final 1003 not applicable on HELOCs.-XXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539079 | 33503398 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539079 | 33503400 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539079 | 33503436 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539079 | 33503439 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539079 | 33503441 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539079 | 33527414 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539101 | 33503572 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158539101 | 33503603 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158539101 | 33503605 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158539101 | 33503608 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | RTC signature date is missing on the source document |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158539101 | 33538385 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158539117 | 33503672 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539117 | 33503674 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539117 | 33503676 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539117 | 33503680 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  | Buyer Comment (2025-07-10): XX/XX/XXXX appeal: Please see the New Loan Closing Cost/Settlement Agent Disbursement Worksheet (page 996 (Doc ID XXXX) of the XXXX Loan File), which lists the disbursement date as XX/XX/XXXX This is greater than 3 business days from the transaction date of XX/XX/XXXX XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158539118 | 33503339 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Affidavit of Borrower(s) and Mortgagor(s) # 2 Borrower has received the notices and information Borrower is entitled to receive under the law, including, without limitation, the Truth-in-Lending Act, the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539118 | 33503340 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539118 | 33503393 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-03): Appeal - A Good Faith Estimate (GFE) is not required for Home Equity Lines of Credit (HELOCs). HELOCs were exempt from the requirements of RESPA (Real Estate Settlement Procedures Act) and thus do not require a GFE. Instead, HELOCs are subject to Regulation Z (Truth in Lending). |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539118 | 33503394 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539118 | 33503407 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539118 | 33503408 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539118 | 33503410 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539118 | 33503412 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539118 | 33503413 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539118 | 33503414 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539118 | 33503415 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539118 | 33556684 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $851.34. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158539127 | 33514703 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-06-11): Exception remains, missing rate lock at origination from loan file.<br>Buyer Comment (2025-06-07): Appeal - See initial Rate and Current rate based on variable rate adjustments. Please advise what is needed additionally if this is not sufficient to clear condition.<br>Reviewer Comment (2025-06-04): Exception remains, missing rate lock from loan file.<br>Buyer Comment (2025-06-02): Appeal – See Note section above Current Rates for the First Payment Stream – Verbiage on the Agreement "Your Initial Periodic Rate and corresponding ANNUAL PERCENTAGE RATE will be based on the Index in effect on your closing date." This indicates that the rate was set at closing XX/XX/XXXX . |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539127 | 33514706 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539127 | 33514707 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539127 | 33514709 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539127 | 33514710 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-02): Below comment added in error to this exception. Please disregard comment.<br>Buyer Comment (2025-06-02): Appeal – See Note section above Current Rates for the First Payment Stream – Verbiage on the Agreement "Your Initial Periodic Rate and corresponding ANNUAL PERCENTAGE RATE will be based on the Index in effect on your closing date." This indicates that the rate was set at closing XX/XX/XXXX . |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539127 | 33514722 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539137 | 33514596 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539137 | 33514597 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539137 | 33514620 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539137 | 33514621 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539137 | 33514640 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539137 | 33514643 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539137 | 33514646 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539137 | 33514677 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539139 | 33514853 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539139 | 33514856 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539139 | 33515101 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539139 | 33515102 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539139 | 33515104 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539156 | 33503649 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539156 | 33503742 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539156 | 33541759 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539156 | 33541760 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539156 | 33541762 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539156 | 33541763 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539176 | 33515028 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539176 | 33515031 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539176 | 33515048 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539176 | 33515049 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539176 | 33515189 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539176 | 33515190 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539176 | 33515192 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539177 | 33503353 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539177 | 33503354 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539177 | 33503469 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-13): Exception remains. Title policy not provided.<br>Buyer Comment (2025-06-11): 6-11-25 APPEAL, Please review HUD DOC ID XXXX, fee for title search only. /XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539177 | 33503470 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539177 | 33541455 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539177 | 33541456 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539177 | 33541457 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br>Buyer Comment (2025-06-11): 6-11-25 APPEAL, Please review Property Report DOC ID XXXX, which shows the subject property is SFR. /XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539177 | 33541459 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539177 | 33541460 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539177 | 33541461 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539187 | 33494203 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539187 | 33499094 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539190 | 33487839 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539190 | 33487840 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539190 | 33487842 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539190 | 33487899 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Buyer Comment (2025-07-10): Appeal: Please escalate/discuss the title report with XXXX<br>Reviewer Comment (2025-05-30): Exception remains, Title policy needed for 1st lien.<br>Buyer Comment (2025-05-29): Title report<br>Buyer Comment (2025-05-29): Appeal: The subject loan did not close with a full title policy, but rather a Legal & Vesting report. Attached please find the subject loan clear report used for title in lieu of full title report. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539198 | 33541568 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539198 | 33541569 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539198 | 33541593 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-16): Loan is a conventional note as there's no line of credit. Missing Final Loan Application from Origination.<br>Buyer Comment (2025-06-13): Appeal: loan is a HELOC as originated and is not considered a federal related mortgage loan under RESPA, meaning they are not subject to RESPA's requirements, final 1003 not required. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539198 | 33541594 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539198 | 33541615 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539198 | 33541616 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539198 | 33541620 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $244.77. | TIL itemization does not include Settlement Fee XX/XX/XXXX 40.00 as a prepaid finance charge. |  | Reviewer Comment (2025-06-24): Exception remains, Settlement closing fee in the amount of 240.00 not included as a prepaid finance charge.<br>Buyer Comment (2025-06-19): XX/XX/XXXX Appeal. Re-calculate prepaid finance charge and yielded a FC accurate result. There were only 2 ppfc on the loan: Flood cert $7 and origination $225. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158539213 | 33514741 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-13): Exception remains, subject loan is not a HELOC.<br>Buyer Comment (2025-06-12): 6.12.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539213 | 33514742 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539213 | 33514771 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539213 | 33514772 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539213 | 33514774 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539213 | 33514779 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  | Reviewer Comment (2025-07-02): Exception remains, Loan closed XX/XX as per Notary date and RTC eligible disbursement date is XX/XX/XXXX .<br>Buyer Comment (2025-06-27): Appeal – See Notary Individual Acknowledgment. This was an Acknowledgment not the witnessing of a signatory act. The borrower executed the ROR is dated as of the transaction date XX/XX/XXXX with the Disbursement date of XX/XX/XXXX . A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the date is made clear by the date the borrower received two copies of the notice explaining your right to rescind.<br>Reviewer Comment (2025-06-25): Exception remains, Loan closed XX/XX as per Notary date and RTC eligible disbursement date is XX/XX/XXXX .<br>Buyer Comment (2025-06-24): Saturday is a business day for the lender.<br>Reviewer Comment (2025-06-18): Exception remains, RTC eligible disbursement date is XX/XX/XXXX .<br>Buyer Comment (2025-06-16): Within the available time frame from the date borrower signed the closing documents to the funding date of the loan, the borrower received 3 days of rescission. No violation occurred.<br>Reviewer Comment (2025-06-13): Exception remains, RTC start date XX/XX/XXXX due to Mortgage Notary date XX/XX/XXXX .<br>Buyer Comment (2025-06-10): Appeal - RTC start date XX/XX/XXXX to RTC End date XX/XX/XXXX with Disbursement date XX/XX/XXXX still provided the Borrower(s) XXXXXXXX<br>Reviewer Comment (2025-06-09): Exception remains, RTC start date XX/XX/XXXX due to Mortgage Notary date XX/XX/XXXX .<br>Buyer Comment (2025-06-06): Appeal – Borrower Signed the ROR XX/XX/XXXX with Disbursement date XX/XX/XXXX as reflected on the Boarding Data Sheet and ROR XX/XX/XXXX through XX/XX/XXXX as Rescission uses the Federal/specific business day definition "all calendar days except Sundays and legal public holidays" (not the general business day definition) the borrower received the XXth through the XXth of XXXX or 3 business days as funding occurred on XX/XX/XXXX . |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158539213 | 33514780 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Reviewer Comment (2025-07-02): Exception remains, Loan closed XX/XX as per Notary date and RTC eligible disbursement date is XX/XX/XXXX .<br>Buyer Comment (2025-06-27): Appeal – See Notary Individual Acknowledgment. This was an Acknowledgment not the witnessing of a signatory act. The borrower executed the ROR is dated as of the transaction date XX/XX/XXXX with the Disbursement date of XX/XX/XXXX . A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the date is made clear by the date the borrower received two copies of the notice explaining your right to rescind.<br>Reviewer Comment (2025-06-25): Exception remains, Loan closed XX/XX as per Notary date and RTC eligible disbursement date is XX/XX/XXXX .<br>Buyer Comment (2025-06-25): Saturday is a business day for the lender<br>Reviewer Comment (2025-06-24): Exception remains. RTC start date XX/XX/XXXX due to mortgage notary date XX/XX/XXXX .<br>Buyer Comment (2025-06-23): Please verify how by calculation the borrower(s) did not receive 3 days of recession prior to funding date.<br>Reviewer Comment (2025-06-13): Exception remains. RTC start date XX/XX/XXXX due to mortgage notary date XX/XX/XXXX .<br>Buyer Comment (2025-06-10): Appeal - RTC start date XX/XX/XXXX to RTC End date XX/XX/XXXX with Disbursement date XX/XX/XXXX still provided the Borrower(s) XXXXXXXX<br>Reviewer Comment (2025-06-09): Exception remains, RTC start date XX/XX/XXXX due to Mortgage Notary date XX/XX/XXXX .<br>Buyer Comment (2025-06-06): Appeal – Borrower Signed the ROR XX/XX/XXXX with Disbursement date XX/XX/XXXX as reflected on the Boarding Data Sheet and ROR XX/XX/XXXX through XX/XX/XXXX as Rescission uses the Federal/specific business day definition "all calendar days except Sundays and legal public holidays" (not the general business day definition) the borrower received the XXth through the XXth of XXXX or 3 business days as funding occurred on XX/XX/XXXX . |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158539213 | 33514782 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Holder's right to foreclose, Homestead Exemption Waiver | Security Instrument is missing pages 2-5. |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539213 | 33514784 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539213 | 33514817 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539226 | 33514868 | XX/XX/XXXX | Compliance | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | (Doc Error) Loan was portrayed as first lien but found to be a second lien |  |  |  | Reviewer Comment (2025-06-05): Exception remains see mortgage dated XX/XX/XXXX DocXXXX and credit investigation XXXX.<br>Buyer Comment (2025-06-03): 6.3.25 Appeal in AMC page XXXX o XXXX HELOC dated XX/XX/XXXX $XX,XXX.XX. In AMC page 2027 o f 4164 HELOC dated XX/XX/XXXX $XXX kindly rescind.XX. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539226 | 33514902 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539226 | 33514904 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-07-03): Property type will not be listed on a HELOC. Exception remains.<br>Buyer Comment (2025-07-02): property type<br>Reviewer Comment (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br>Buyer Comment (2025-06-11): XX/XX/XXXX Appeal: Please reconsider. DXXXX is a Collateral Valuation Report from Origination and is dated XX/XX/XXXX prior to the loan closing date of XX/XX/XXXX . This valuation report states the property type is a SFR at origination. XX<br>Reviewer Comment (2025-06-10): Exception remains, missing specific property type at origination.<br>Buyer Comment (2025-06-10): XX/XX/XXXX Appeal: Please see XXXXXXX which states that the property type is a Single Family Residence. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539226 | 33514913 | XX/XX/XXXX | Credit | Title | Lien | Title | Missing note/terms on senior lien. Subject loan is in second position. | Lien Position: 1 |  |  | Reviewer Comment (2025-07-07): Exception remains, Credit investigation on XXXX states subject is in 2nd lien position.<br>Buyer Comment (2025-07-03): 7.3.25 Appeal per AMC page 3of4170 XXXX- recording information for 1st and 2nd , XXXX- you are referring to does not match up the recording documents. Please advise. Thank you.<br>Reviewer Comment (2025-06-10): Exception remains, Credit investigation on XXXX states subject is in 2nd lien position.<br>Buyer Comment (2025-06-06): 6.6.25 Appeal attached pages in AMC page 2020 of 4164 HELOC dated XX/XX/XXXX $XX,XXX.XX. In AMC page 2027 o f 4164 HELOC dated XX/XX/XXXX $XXX kindly rescind.XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539248 | 33514893 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-05): Exception remains, missing final title policy from loan file.<br>Buyer Comment (2025-06-03): 6.3.25 Appeal. The subject loan was a refinance in XXXXand attached is Title Search Package. Included is the HUD-I and Itemization of Amt Financed showing $60.00 was collected for a Title Search not a Title Policy. As a result only a title search was requested. Please review and rescind. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539248 | 33514964 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539248 | 33514966 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Wisconsin Prepayment Penalty | Wisconsin Prepayment Penalty: Maximum prepay allowed per state is 60 days interest calculated on 80% of the original loan amount ($XXX). Loan contracts for maximum calculated prepay of $XXX, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539248 | 33514967 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539266 | 33514713 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539266 | 33514872 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539266 | 33514874 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539266 | 33514875 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539266 | 33514881 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539275 | 33514952 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539275 | 33515065 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539275 | 33515067 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539275 | 33515110 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539275 | 33515112 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539275 | 33515114 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539282 | 33515454 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158539294 | 33515561 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539294 | 33515562 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539294 | 33515565 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539294 | 33515568 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | New York Prepayment Penalty Junior Lien | New York Prepayment Penalty: A prepayment penalty is not permissible on a subordinate lien loan. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539294 | 33515576 | XX/XX/XXXX | Compliance | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | (Doc Error) Loan was portrayed as first lien but found to be a second lien |  |  |  | Reviewer Comment (2025-06-25): Exception remains, data tape received stated subject lien was in 1st position but after review was found to be in 2nd.<br>Buyer Comment (2025-06-23): Appeal – See page 129, XXXXXXXXXX.<br>Reviewer Comment (2025-06-12): Exception remains. Per documentation in file, assignment was post closing. HELOC is in 2nd position at time of closing.<br>Buyer Comment (2025-06-09): Appeal – See Note and Assignment for Sr Lien XXXXX Loan # XXXX with HELOC 2nd Loan # XXXX. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539294 | 33515594 | XX/XX/XXXX | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. |  |  |  | Reviewer Comment (2025-06-13): Exception remains. Evidence of flood insurance premium not provided.<br>Buyer Comment (2025-06-09): Appeal - Not required on a 2nd lien HELOC. - XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539310 | 33515276 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539310 | 33515279 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-09): Exception remains, Unable to determine specific property type at origination.<br>Buyer Comment (2025-06-05): XX/XX/XXXX Appeal – See the Credit Investigation confirming the Property Type, SFR. – XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539310 | 33515285 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539322 | 33515196 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539322 | 33515338 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539322 | 33515371 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539322 | 33515375 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539322 | 33515381 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539325 | 33514987 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539325 | 33515157 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539325 | 33515519 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539325 | 33515521 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539325 | 33515523 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539325 | 33515524 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539325 | 33515525 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539325 | 33515526 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539328 | 33515393 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539328 | 33515394 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539328 | 33515470 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539328 | 33515472 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539328 | 33520667 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539328 | 33520668 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539328 | 33520669 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539333 | 33514974 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-06-05): Exception remains, missing flood determination<br>Buyer Comment (2025-06-03): 6-3-2025 Appeal. Please see attached Disbursement Request and Authorization form and XXXX XXX Servicing screen which includes a statement on Flood Insurance including the flood map and date and that the subject is NOT in a flood zone. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539333 | 33514976 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539333 | 33515398 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539333 | 33515399 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539333 | 33515401 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539333 | 33515402 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539333 | 33515403 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539333 | 33515404 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539333 | 33515411 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539333 | 33515413 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539354 | 33515238 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539354 | 33515239 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539354 | 33515283 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539354 | 33515284 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539354 | 33515374 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539354 | 33515376 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539354 | 33515380 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539358 | 33514975 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-13): Exception remains, subject loan is not a HELOC.<br>Buyer Comment (2025-06-13): XX/XX/XXXX appeal. Final 1003 is not applicable for a HELOC - XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539358 | 33514977 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-06-13): Missing Flood Cert from origination.<br>Buyer Comment (2025-06-12): See attachment<br>Reviewer Comment (2025-06-10): Exception remains, flood determination not provided.<br>Buyer Comment (2025-06-06): XX/XX/XXXX Appeal - Flood Cert is attached. - XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539358 | 33515011 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  | Reviewer Comment (2025-06-13): Missing Flood Cert from origination.<br>Buyer Comment (2025-06-12): See attachment<br>Reviewer Comment (2025-06-10): Exception remains, flood determination note provided.<br>Buyer Comment (2025-06-06): XX/XX/XXXX Appeal - Flood Cert is attached. - XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539358 | 33515014 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539358 | 33515017 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Reviewer Comment (2025-06-13): Exception remains, Unable to determine Original Lender.<br>Buyer Comment (2025-06-12): XX/XX/XXXX appeal - Attaching Settlement Statement that disclosed disbursement to XXXXXX Home & a payoff check to XXXXXX - XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539358 | 33515034 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539358 | 33515035 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539358 | 33520248 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539365 | 33524541 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539365 | 33531080 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539365 | 33531688 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539365 | 33531689 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br>Buyer Comment (2025-06-09): XX/XX/XXXX - Appeal: Refer to XXXXXX for property type which reflects a single family detached home. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539365 | 33531691 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539365 | 33535161 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $667.61. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158539365 | 33542011 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539371 | 33515202 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539371 | 33515439 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539371 | 33515441 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539371 | 33515443 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158539385 | 33519019 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158539385 | 33519986 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158539385 | 33519988 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158539385 | 33535728 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158539391 | 33516471 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539391 | 33516697 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539398 | 33515055 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539398 | 33515203 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539398 | 33515205 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539398 | 33515426 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539398 | 33515428 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539398 | 33515430 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539398 | 33515431 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539398 | 33515432 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539398 | 33515433 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539418 | 33486731 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539418 | 33486732 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539418 | 33488140 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539418 | 33488141 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539418 | 33488155 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539418 | 33488156 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539423 | 33489350 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - UTD | C |  |  | No B |
| XXXX |  |  | 3158539423 | 33493883 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158539438 | 33508465 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539438 | 33508568 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (2025-06-06): Exception remains, Unable to determine if initial GFE as it is not dated.<br>Buyer Comment (2025-06-04): GFE |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539438 | 33508569 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539438 | 33514106 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539455 | 33509173 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539455 | 33509260 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539455 | 33509261 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539455 | 33509262 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539455 | 33509263 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539455 | 33509264 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539455 | 33509266 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539457 | 33516939 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-13): Exception remains, Unable to determine specific date referenced is the application date.<br>Buyer Comment (2025-06-11): XX/XX/XXXX Appeal: Please see XXXXXXXX. The application was taken by phone on XX/XX/XXXX . XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539457 | 33516941 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  | Buyer Comment (2025-07-07): Please escalate to manager<br>Reviewer Comment (2025-07-07): Exception remains. Evidence for funding date should be from settlement agent.<br>Buyer Comment (2025-07-02): Appeal – See Loan Closing Summary and Disbursement of Loan Proceeds and Expenses, Funding date XX/XX/XXXX .<br>Reviewer Comment (2025-06-13): Exception remains, Disbursement date not provided.<br>Buyer Comment (2025-06-11): XX/XX/XXXX Appeal: Please see XXXXXXX which states the loan was not ready to fund until XX/XX/XXXX . DOC XXXXXXX confirms funding on XX/XX/XXXX . XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158539457 | 33522176 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Reviewer Comment (2025-06-13): Exception remains, Initial application date missing.<br>Buyer Comment (2025-06-11): XX/XX/XXXX Appeal: Please see exception id 33516939. The application date was XX/XX/XXXX . XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539457 | 33522177 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Reviewer Comment (2025-06-13): Exception remains, Initial application date missing.<br>Buyer Comment (2025-06-11): XX/XX/XXXX Appeal: Please see exception id XXXX. The application date was XX/XX/XXXX . XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539463 | 33508982 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539463 | 33508990 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539463 | 33509221 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539463 | 33509222 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539463 | 33509224 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539463 | 33509227 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $218.15. | TIL itemization did not disclose an Settlement fee of $220.00 as prepaid finance charge. |  | Reviewer Comment (2025-06-18): Exception remains, under disclosure due to a settlement fee and not a notary fee.<br>Buyer Comment (2025-06-16): Appeal - Notary fee is not a PPFC, please remove and retest.<br>Reviewer Comment (2025-06-13): Exception remains. Documentation cited does not identify payor of POC charges.<br>Buyer Comment (2025-06-10): Appeal –See the Post Closing Review Checklist, the 220.00 POC was for the Notary, please remove and retest.<br>Reviewer Comment (2025-06-06): Exception remains. Closing fee POC does not list Payor.. Documentation not located that another party paid the Settlement fee..<br>Buyer Comment (2025-06-05): Appeal – See the Boarding Data and Disbursement Request Authorization for verification that the POC on the HUD for Settlement was not paid by the Borrower from loan proceeds or in cash by the Borrower. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158539463 | 33509235 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539469 | 33509001 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-06-25): Attached flood doc is not valid for subject loan - incorrect loan id, borrower and timeframe. Exception remains.<br>Buyer Comment (2025-06-24): 06-24-2025 Appeal. Please find Flood Determination whihc is acceptable as Cert per AMC mgmt. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539469 | 33509002 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-13): Exception remains, subject loan is not a HELOC.<br>Buyer Comment (2025-06-13): 6.12.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required kindly review rescind.XX.. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539469 | 33509132 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539469 | 33509194 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539469 | 33509195 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539469 | 33509196 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539469 | 33509198 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539469 | 33509199 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $291.12. | Itemization did not disclose $290 of the Settlement fee as prepaid finance charges. |  | Reviewer Comment (2025-06-18): Exception remains, under disclosure is referencing a settlement fee and not a notary fee.<br>Buyer Comment (2025-06-16): Appeal - Notary fee is not a PPFC, please remove and retest.<br>Reviewer Comment (2025-06-13): Exception remains. Evidence of payor of POC charges not documented.<br>Buyer Comment (2025-06-10): Appeal –See the Doc Prep Checklist, the 290.00 POC was for the Notary, please remove and retest.<br>Reviewer Comment (2025-06-09): Exception remains, Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the settlement/closing fee.<br>Buyer Comment (2025-06-05): Appeal – See the Boarding Data and Disbursement Request Authorization for verification that the POC on the HUD for Settlement was not paid by the Borrower from loan proceeds or in cash by the Borrower |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158539476 | 33487701 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-12): Exception remains, Unable to determine property type ei: single family attached vs detached vs PUD at origination.<br>Buyer Comment (2025-06-12): 6-12-25 APPEAL, All of the documents referenced in the appeal refer to the property type as SFR. Please see Desktop Evaluation XXXXXXX , Collateral Valuation Report DOC IDs XXXXXXX , Approval DOC XXXXXXX , and Property Report XXXXXXX <br>Reviewer Comment (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br>Buyer Comment (2025-06-09): 6-9-25 APPEAL, Please see Desktop Evaluation XXXXXXX , Collateral Valuation Report DOC IDs XXXXXXX , Approval DOC XXXXXXX , and Property Report XXXXXXX  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158539476 | 33487711 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - UTD | C |  |  | No B |
| XXXX |  |  | 3158539476 | 33487773 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158539496 | 33515989 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539496 | 33515990 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539496 | 33516098 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539496 | 33516099 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539496 | 33516101 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539496 | 33516102 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539496 | 33516103 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539496 | 33516115 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539496 | 33516116 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539534 | 33488007 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539534 | 33488019 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539534 | 33488027 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539535 | 33515987 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539535 | 33515988 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539535 | 33515991 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539535 | 33516028 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539535 | 33516222 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539535 | 33516224 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539566 | 33515986 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539566 | 33515998 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539591 | 33487284 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539591 | 33487287 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539591 | 33487294 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539597 | 33516020 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-16): Promissory Note is not a line of credit. Exception remains. Missing Final Loan Application from Origination.<br>Buyer Comment (2025-06-13): XX/XX/XXXX appeal. Final 1003 is not applicable for a HELOC - XX |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539597 | 33516076 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539597 | 33516078 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-13): Please provide Appraisal from origination.<br>Buyer Comment (2025-06-13): XX/XX/XXXX appeal. Doc reflecting property type is attached - XX<br>Buyer Comment (2025-06-12): XX/XX/XXXX appeal. Screenshot of Original Appraised value from XXXX internal database is attached - XX |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539597 | 33521558 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539597 | 33521568 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539597 | 33521695 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539597 | 33521696 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539597 | 33521697 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539597 | 33521698 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539602 | 33516247 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158539602 | 33516276 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158539602 | 33516277 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158539603 | 33524361 | XX/XX/XXXX | Compliance | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | (Doc Error) Loan was portrayed as first lien but found to be a second lien |  |  |  | Reviewer Comment (2025-06-17): Exception remains, data tape received reflects subject property in first lien but after review of loan file subject transaction is in 2nd lien position.<br>Buyer Comment (2025-06-11): XX/XX/XXXX Appeal: page 707 / XXXXXXX Mtg on the subject states this is a subbordinate lien on page 7 of the document.. Verify evidence loan was presented as a first lien…XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539603 | 33524374 | XX/XX/XXXX | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539603 | 33530459 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539603 | 33530460 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539603 | 33530461 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539603 | 33530463 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539603 | 33530465 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | New York Prepayment Penalty Junior Lien | New York Prepayment Penalty: A prepayment penalty is not permissible on a subordinate lien loan. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  | Reviewer Comment (2025-06-17): Exception remains, please see section below "Our Charges for your loans." You will be responsible for the above mentioned closing costs, should you request us release our security interest within 2 years.<br>Buyer Comment (2025-06-15): XX/XX/XXXX appeal: In the Promise to Pay section of the HELOC Agreement (page 688 (Doc ID XXXX) of the XXXX loan file) it is stated "You may pay all or part of the outstanding balance at any time, without penalty". XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539603 | 33530466 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158539607 | 33516016 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539607 | 33516365 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  | Reviewer Comment (2025-06-24): Doc is not dated and loan terms do not match origination, therefore is excluded. Exception remains.<br>Buyer Comment (2025-06-23): Appeal: XXXXX shows occupancy is non-owner occupied. |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539607 | 33516366 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-07-01): Exception remains. Final Title policy required for 1st lien transactions, including HELOCs.<br>Buyer Comment (2025-06-28): title not required on a HELOC<br>Reviewer Comment (2025-06-18): Please cite reason.<br>Buyer Comment (2025-06-17): no title<br>Buyer Comment (2025-06-17): Title not required |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539607 | 33516416 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539607 | 33531661 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Reviewer Comment (2025-06-24): No documentation from origination in file located to determine occupancy.<br>Buyer Comment (2025-06-23): Appeal: RTC not applicable on non-owner occupied. |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158539608 | 33516040 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-13): Exception remains, subject loan is not a HELOC.<br>Buyer Comment (2025-06-12): 6.12.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539608 | 33516041 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539608 | 33516140 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539608 | 33516141 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539608 | 33516151 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539608 | 33516152 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539608 | 33516154 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539608 | 33516156 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539608 | 33516157 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539608 | 33516158 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539612 | 33516180 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539612 | 33516194 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539612 | 33516197 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539612 | 33516241 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539612 | 33516272 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539612 | 33516273 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539616 | 33517543 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539616 | 33517699 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539616 | 33517700 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539616 | 33517702 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539616 | 33517723 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539663 | 33516031 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539663 | 33516051 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539663 | 33516057 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539663 | 33516081 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539663 | 33516082 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539663 | 33516084 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539663 | 33516086 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539668 | 33488108 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158539668 | 33488126 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158539668 | 33508906 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158539674 | 33487447 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539674 | 33487449 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539674 | 33487662 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539674 | 33487663 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539674 | 33487718 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539674 | 33487719 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539674 | 33487722 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539674 | 33487725 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158539674 | 33487726 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158539678 | 33522882 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539678 | 33522885 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539678 | 33522893 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539678 | 33523030 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539678 | 33523032 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539690 | 33516207 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539690 | 33516219 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539690 | 33517977 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539690 | 33517978 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539690 | 33517980 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539690 | 33517981 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | New York Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539690 | 33517982 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | New York Prepayment Penalty | New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of X.XX% contracts for a prepay term of XX months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539690 | 33517983 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Reviewer Comment (2025-06-06): Exception remains, Unable to determine prior originating lender from documentation within loan file.<br>Buyer Comment (2025-06-04): HUD & ROR |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539691 | 33515992 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Affidavit of Borrower(s) and Mortgagor(s) # 2 Borrower has received the notices and information Borrower is entitled to receive under the law, including, without limitation, the Truth-in-Lending Act, the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539691 | 33516060 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539691 | 33516062 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539691 | 33516063 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539691 | 33516064 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539691 | 33516065 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539691 | 33516066 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $123.24. | Unable to verified Finance charge variance due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158539691 | 33516095 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (2025-06-04): no action<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Affidavit of Borrower(s) and Mortgagor(s) # 2 Borrower has received the notices and information Borrower is entitled to receive under the law, including, without limitation, the Truth-in-Lending Act, the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. GFE not required. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539691 | 33516602 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539694 | 33522699 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539694 | 33522703 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539694 | 33522798 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539694 | 33522799 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539694 | 33522801 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-11): Exception remains, unable to determine specific property type at origination.<br>Buyer Comment (2025-06-07): 6.7.25 In addition, attached is AVM from origination.<br>Buyer Comment (2025-06-07): 6.7.25 Appeal. Please see attached highlighted section of the Boarding Data Sheet from origination showing the property type. Please review and rescind. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539694 | 33522803 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $217.29. | TIL itemization did not disclose a Settlement fee of $220.00 as prepaid finance charge. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158539695 | 33516037 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539695 | 33516038 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539695 | 33516091 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539695 | 33516108 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539695 | 33516109 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539695 | 33523146 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539699 | 33518627 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  | Buyer Comment (2025-07-08): Appeal – See Credit Line Disclosure on page 78 or XXXXX with the important information about the HELOC and meets the verbiage requirements for the disclosure. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539699 | 33518628 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158539699 | 33518632 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Loan prepay term of XXX months exceeds state maximum of 60 months. Prepay may be impermissible depending on the lender's license type. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539699 | 33518633 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | California Primary Residence Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539699 | 33518640 | XX/XX/XXXX | Compliance | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | (Doc Error) Loan was portrayed as first lien but found to be a second lien |  |  |  | Reviewer Comment (2025-06-10): Exception remains, subject transaction is a 2nd and data tape had transaction listed as first.<br>Buyer Comment (2025-06-09): Appeal – See Lender's Instruction to Closing Agent page 4 of 4, Title Policy Requirements # 4. – First Deed of Trust / Mortgage in Favor of XXXXXX with the Second in favor of Subject transaction originator XXXXXXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539699 | 33518653 | XX/XX/XXXX | Credit | Title | Lien | Title | Missing note/terms on senior lien. Subject loan is in second position. | Lien Position: 1 |  |  | Reviewer Comment (2025-06-10): Exception remains, missing 1st lien note.<br>Buyer Comment (2025-06-06): Appeal: Please see D1013 for Loan Exception Detail with approvals documenting missing note at time of origination also confirming no neg am and verified fixed. NTB D1016 also in file with terms provided on first.<br>Reviewer Comment (2025-06-05): Exception remains, please see title commitment Doc581. missing note for XXXXXX of California in the amount of 192k.<br>Buyer Comment (2025-06-03): 6.3.25 Appeal pages 993 of 4405 in AMC Mtg $250.000.00 Note date XX/XX/XXXX and pages1001 of 4405 Note dated XX/XX/XXXX for $125,000.00 kindly review rescind.XX. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539699 | 33518672 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539699 | 33518673 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539700 | 33516741 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br>Buyer Comment (2025-06-09): 6.9.25 Appeal. Please see attached highlighted section of the Boarding Data Sheet from origination showing the property type. Please review and rescind. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539700 | 33516743 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539700 | 33516744 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Illinois Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539700 | 33516745 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty | Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  | Reviewer Comment (2025-07-07): Exception remains, Quoting appears to be a Public Utilities Act and the exception we are citing falls under the Illinois Interest Act. There do not appear to be any exemptions based on lender type under the Illinois Interest Act; however if they can provide language clarifying where this is found in the statute, we can certainly review. 815 Ill. Comp. Stat. 205/4(2)(a) does appear to allow some exemptions but it does not appear this is based on the originating lender.<br>Buyer Comment (2025-06-27): Illinois law (ACT 90-0561) allows cancellation fees on HELOCs, but limits them to a maximum of $500.00. Illinois Predatory Lending Database Program Act, which was established through Public Act 94-280 (HB4050).<br> The HELOC agreement in question specifies a cancellation fee of the lesser of XX% of the Credit Line or $XXX. This amount is below the $500.00 statutory limit, meaning it is permissible under Illinois law. Illinois Law (ACT 90-0561): This law allows for cancellation fees on HELOCs, but limits them to $500. Interest Rate: Whether the mortgage interest rate exceeds 8% is irrelevant, as the law pertains to the fee amount, not the interest rate itself. Exemptions: State and federally chartered banks, savings banks, savings and loan associations, credit unions, and insurance companies are exempt from the PLPA. Entities that are exempt from the Act include: Any entity not required to be licensed under the Residential Mortgage License Act. Specifically, this includes: Banks, savings banks, savings and loan associations, credit unions, and insurance companies organized, chartered, or holding a certificate of authority to do business under the laws of Illinois, any other state, or the United States. Therefore, XXXXX Bank, N.A. would be exempt from the Illinois Predatory Lending Database Program Act because it is a federally chartered bank.<br>Reviewer Comment (2025-06-25): Please confirm the citation referenced? This appears to be a Public Utilities Act. https://www.ilga.gov/legislation/publicacts/pubact90/acts/90-0561.html<br> The exception was cited under 815 Ill. Comp. Stat. 205/4(2)(a) (Illinois Interest Act).<br>Buyer Comment (2025-06-23): The cited violation is not applicable to the subject transaction. No prepayment penalty on Note. Exceeding XX% is irrelevant. As you have also stated the fee on the Note is a fee to close the account. In Illinois ACT 90-0561, on HELOCs allows a cancelation fee if it does not exceed $500.00. See page 4 of the HELOC Agreement, the fee the lesser of XX% of the Credit Line or $XXX. This amount remains below the Illinois limit of $XXX allowed on a HELOC.<br>Reviewer Comment (2025-06-19): Exception remains, The IL prepay exception was cited due to the rate exceeding 8% and the loan including a prepayment penalty. The citation for this is: 815 Ill. Comp. Stat. 205/4(2)(a): Whenever the rate of interest exceeds an annual percentage rate of 8% on any written contract, agreement or bond for deed providing for the installment purchase of residential real estate, or on any loan secured by a mortgage on residential real estate, it shall be unlawful to provide for a prepayment penalty or other charge for prepayment.<br>Buyer Comment (2025-06-16): Appeal - A Prepayment Penalty is a fee charged by the Lender if the loan is paid off before the agreed upon term ends, designed to compensate Lenders for lost income if the loan is paid off early. Where a fee to close an account is a fee to cover the costs associated with setting up an account. In Illinois ACT 90-0561, on HELOCs allows a cancelation fee if it does not exceed $500.00. See page 4 of the HELOC Agreement, the fee the lesser of XX% of the Credit Line or $XXX. This amount remains below the Illinois limit of $XXX allowed on a HELOC.<br>Reviewer Comment (2025-06-12): Please see page 4 Fee to Close account.<br>Buyer Comment (2025-06-08): Appeal - The loan Note Agreement does not contain a Prepayment Penalty. Provide Prepayment Penalty cited. - XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539700 | 33536320 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539717 | 33516381 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539717 | 33518694 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539717 | 33518695 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539736 | 33486137 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539736 | 33486138 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539736 | 33486169 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539736 | 33486172 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539736 | 33486202 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539736 | 33486203 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539736 | 33486229 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539743 | 33516148 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539743 | 33516311 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539744 | 33487573 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539744 | 33488191 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539744 | 33488192 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-05-30): Exception remains. Document noted in appeal is the broker initial loan application. This exception is for the lender initial 1003. There is no alt source for application date in file.<br>Buyer Comment (2025-05-29): gfe<br>Buyer Comment (2025-05-29): initial 1003 and GFE signed dated<br>Buyer Comment (2025-05-29): Per LAS report, application date XX/XX/XXXX , initial 1003 found on XXXXX says initial urla signed dated XX/XX/XXXX also verified by GFE signed by borrowers on the same date. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539744 | 33488195 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $257.57. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Reviewer Comment (2025-06-03): Calculation method reviewed. DSI Odd Amortization. Exception remains. It appears upfront per diem interest was amortized over the life of the loan. The Note indicates DSI actual/actual, the disbursement date was more than one month prior to the first payment date, indicating prepaid interest should have been collected, no prepaid interest was collected on the HUD or in the first payment,<br>Buyer Comment (2025-06-02): Appeal: Please check the calculation method used to recalculate the payment identified as incorrect. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158539774 | 33517626 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539774 | 33517627 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539774 | 33517669 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539774 | 33517670 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539774 | 33517693 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539774 | 33517694 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539774 | 33517695 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539774 | 33517697 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539774 | 33517698 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $214.66. | TIL itemization reflects $0.00 as prepaid finance charge. |  | Reviewer Comment (2025-06-16): Regardless if customarily paid, this HUD in question does not reflect any Lender paid fees.<br>Buyer Comment (2025-06-14): XX/XX/XXXX Appeal. Re-calculated ppfc. Lender paid the $6.75 flood and $202 for closing fee. These fees are customarily paid by lender not borrower as reflected on the HUD - POC. The only closing cost paid by borrower was the recording fee and was included in the loan amount. PPFC recalculations yielded FC accurate result. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158539777 | 33517829 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539777 | 33517830 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539777 | 33517862 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539777 | 33517863 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539777 | 33517904 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539777 | 33517905 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539777 | 33517906 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539783 | 33517208 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539783 | 33517224 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539783 | 33517948 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539783 | 33517949 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539783 | 33517951 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539783 | 33517952 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539805 | 33516524 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539805 | 33516525 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539805 | 33518475 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539805 | 33521991 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539813 | 33516998 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $536.00 is underdisclosed from HUD Finance Charge of $725.75 in the amount of $189.75. |  |  | Reviewer Comment (2025-06-10): Exception remains, corrected comment, HELOC agreement did not disclose a flood determination of $14.75, a closing fee in the amount of $175.00.<br>Buyer Comment (2025-06-06): Please see the 5th fee down in section 10 of the HELOC Agreement.<br>Reviewer Comment (2025-06-05): Exception remains, HELOC agreement did not disclose a broker fee in the amount of $536.00.<br>Buyer Comment (2025-06-03): $14.75 Flood and $175 Settlement fee were paid by the lender. HUD reflects credits for all items with the exception of the $536 Broker fee. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower of the error and providing correct information, Proof of Delivery, Refund check for under-disclosed amount, and Re-open Rescission if applicable. B |  |  | Yes B |
| XXXX |  |  | 3158539813 | 33516999 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158539813 | 33517000 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539824 | 33516677 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539824 | 33516687 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539824 | 33516721 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539824 | 33516723 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539824 | 33516725 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539826 | 33491794 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539826 | 33491796 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539826 | 33491799 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | California Primary Residence Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  | Reviewer Comment (2025-06-04): Exception remains, When a HELOC does not disclose a monthly payment and includes a late fee that is based on a percentage of the monthly payment amount and/or the jurisdiction includes a late charge threshold based on a percentage of the monthly payment amount, an "Unable To Determine" late charge exception will be cited. This is not indicative of an actual failure but rather is informational stating that as a result of certain information not being available, we are unable to determine whether the requirement has been met or not.<br>Buyer Comment (2025-05-30): Appeal – CA late fee was capped at the greater of $5 or 6% of the missed payment amount. The Agreement reflects a late fee of X.XX% of the current minimum payment. Since the X.XX% fee is calculated on the smaller minimum payment, this would be a lower fee than the potential cap of $5 or 6% of the missed payment. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539828 | 33516369 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539828 | 33516370 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539828 | 33516388 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539828 | 33516389 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539828 | 33516402 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539828 | 33516403 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539828 | 33516405 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539829 | 33489694 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-16): Attached docs are not dated. Exception remains. Missing Final Loan Application from Origination.<br>Buyer Comment (2025-06-13): 6.13.25 Appeal attached please find final 1003 for 3 borrowers, kindly review rescind gs..<br>Buyer Comment (2025-06-13): delete the below request please<br>Buyer Comment (2025-06-13): 6.13.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required kindly review rescind.XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539829 | 33489695 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539829 | 33489757 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539844 | 33516430 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539844 | 33516435 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539844 | 33516436 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539844 | 33516438 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539844 | 33516439 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539844 | 33516440 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539844 | 33516441 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539844 | 33516446 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539855 | 33516634 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539855 | 33516649 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539855 | 33516652 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539855 | 33516656 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539855 | 33516657 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158539855 | 33516658 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539855 | 33516661 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539861 | 33516557 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539861 | 33516577 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (2025-06-12): Exception remains. The disbursement date should come from page one of the HUD. When page one is missing this information, we look for evidence of funding from the settlement agent. If none found, our system will use the "Interest From" date to be able to run compliance and will also generate a level 2 exception. Unable to determine Funding Worksheet from the settlement agent.<br>Buyer Comment (2025-06-08): Appeal – See XXXXX Check List Dated XX/XX/XXXX , Disbursement date of XX/XX/XXXX , see same Proration date of XX/XX/XXXX on the HUD. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539861 | 33516578 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539861 | 33516581 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158539861 | 33516582 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539861 | 33516585 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539863 | 33523269 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | Reviewer Comment (2025-06-11): Exception remains, previous transaction lender was XXXXXXXXXXX.<br>Buyer Comment (2025-06-07): title |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158539885 | 33523284 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No C |
| XXXX |  |  | 3158539885 | 33523444 | XX/XX/XXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | Federal HOEPA Ability to Repay Reliable Documentation | Truth in Lending Act (HOEPA): Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No C |
| XXXX |  |  | 3158539885 | 33523445 | XX/XX/XXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No C |
| XXXX |  |  | 3158539885 | 33523446 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (HOEPA): Points and Fees on subject loan of X.XX% is in excess of the allowable maximum of the greater of X.XX% of the Federal Total Loan Amount and $XXX (XXXX). Points and Fees of $XXX on a Federal Total Loan Amount of $XX,XXX.XX vs. an allowable total of $XXXand $XXX (XXXX) (an overage of $XXX or X.XX%). Non-Compliant High Cost Loan. |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No C |
| XXXX |  |  | 3158539885 | 33523447 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No C |
| XXXX |  |  | 3158539885 | 33523448 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Federal and State High Cost Lookback Failures | Due to missing evidence of initial application date. An application date of XX/XX/XXXX was used for Compliance testing. The loan would result in a High Cost failure due to points and fees test failure based on the following application dates XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX . |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No C |
| XXXX |  |  | 3158539885 | 33523450 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No C |
| XXXX |  |  | 3158539885 | 33523452 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $311.12. | TIL itemization did not disclose a Prepaid interest fee of $275.92 and Settlement fees of $450.00 and HUD 1 fee amount did not disclose Prepaid Interest of $376.25 and Credit report fee of $50.00 as prepaid finance charge |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes C |
| XXXX |  |  | 3158539885 | 33523936 | XX/XX/XXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided 3 Business Days Prior to Closing) | Truth in Lending Act (HOEPA): HOEPA disclosure not received by Borrower(s) at least three (3) business days prior to transaction date. | Date signed XX/XX/XXXX . Closing XX/XX/XXXX |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No C |
| XXXX |  |  | 3158539889 | 33509231 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158539889 | 33509287 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158539895 | 33522824 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (2025-06-12): Exception remains. The disbursement date should come from page one of the HUD. When page one is missing this information, we look for evidence of funding from the settlement agent. If none found, our system will use the "Interest From" date to be able to run compliance and will also generate a level 2 exception (this exception is informational).<br>Buyer Comment (2025-06-09): XX/XX/XXXX Appeal: This is a O/O Purchase transaction therefore funds can be disbursed on the consummation date, which is referenced on the closing instruction on page 234 / XXXX.XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158539895 | 33522826 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Connecticut Prepayment Penalty Test | Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  | Reviewer Comment (2025-06-19): Exception remains, The rebuttal references second mortgage licensee prepay restrictions, but the exception is cited under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act. The exemption from the prepayment penalty restriction established in the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act is not a blanket exemption for all mortgage brokers. The mortgage broker or mortgage lender must meet one of the exemptions from licensure established in Section 36a-487 of the Act. Please provide information about how XXXXXXXX met one of the exemptions listed in Section 36a-487.<br> XXXXXXXX <br>Buyer Comment (2025-06-17): Appeal - Connecticut law prohibits second mortgage licensees from imposing prepayment penalties of more than 5% of the balance prepaid and further prohibits any prepayment penalties on prepayments occurring more than three years after the loan date specifically sections 36-224j to 36-224o of the Connecticut General Statutes (later renumbered as 36a-519 to 36a-524) were not repealed until XX/XX/XXXX , the subject transaction occurred in XXXX. The prepayment penalty was in compliance at origination. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158539911 | 33524265 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-13): Unable to confirm this is final. Document is signed, Unable to confirm signed at closing. Exception remains.<br>Buyer Comment (2025-06-11): Appeal. Final 1003 found in file. Kindly refer to Doc ID XXXXX1 XXXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539911 | 33526646 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-13): Document referenced is Broker initial application. Exception remains.<br>Buyer Comment (2025-06-11): Appeal. Initial 1003 found in file. Kindly refer to Doc ID XXXXXXXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539919 | 33488802 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539919 | 33489742 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539919 | 33489743 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539919 | 33489746 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158539919 | 33489747 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539927 | 33522834 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (2025-06-11): Exception remains, missing disbursement date.<br>Buyer Comment (2025-06-08): subject transaction was a purchase |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158539927 | 33522836 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Ohio Prepayment Penalty | Ohio Prepayment Penalty: Maximum calculated prepay of $XXX exceeds the state maximum of 1% of the original balance ($XXX). Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158539932 | 33516758 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158539933 | 33516568 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158539933 | 33516569 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Ohio Alternate Prepayment Penalty SMLA Testing | Ohio Prepayment Penalty: Loan prepay term of 60 months exceeds state maximum of XX months. (applies only to Second Mortgage Loan Act registrants) Prepay language states prepay will not exceed maximum permitted by applicable law.] |  |  | Reviewer Comment (2025-06-19): Exception remains, The prepay exception for this loan was cited under Ohio Rev. Code Ann. §1321.57(G)(2). This requirement is only applicable to SMLA registrants. Can you confirm if the originating lender was a Second Mortgage Loan Act (SMLA) registrant? If the creditor is not a Second Mortgage Loan Act registrant, the exception would not be valid and may be cleared. License status is not considered in scope of review since licensing information is not something typically found in the loan file.<br>Buyer Comment (2025-06-17): Appeal - In Ohio, residential mortgage obligations contracted for on or after November 4, XXXX can be prepaid or refinanced without penalty at any time after five years. ORC 1343.011(C)(2)(a), which exempts certain smaller residential mortgage obligations from prepayment penalties, was effective as of January 1, 2007. ORC 1343.011(C)(1) was enacted on December 28, 2009. This section defines terms related to residential mortgages and prepayment penalties. The prepayment penalty term was in compliance at origination XX/XX/XXXX . |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158539933 | 33516570 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158539943 | 33516462 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158539943 | 33516824 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158539943 | 33516825 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158539943 | 33516828 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158539943 | 33516830 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158539943 | 33538699 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158539947 | 33516474 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539947 | 33516476 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539947 | 33516492 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539947 | 33516506 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539947 | 33516508 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539947 | 33516510 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty | Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539947 | 33516511 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158539947 | 33516512 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158539956 | 33516746 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539956 | 33516747 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539956 | 33516787 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539956 | 33516788 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539956 | 33516790 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539956 | 33516791 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539956 | 33516792 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539956 | 33516807 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539956 | 33516808 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539981 | 33516895 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-13): Exception remains, subject loan is not a HELOC.<br>Buyer Comment (2025-06-12): 6.12.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required.<br>Reviewer Comment (2025-06-09): no action<br>Buyer Comment (2025-06-08): Disregard added to file in error<br>Buyer Comment (2025-06-06): Appeal - Loan, it is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539981 | 33516946 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539981 | 33516947 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-09): Exception remains, Unable to determine specific property type at origination.<br>Buyer Comment (2025-06-06): Appeal – See Credit Investigation Property Type SFR. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539981 | 33516950 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539981 | 33516954 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (2025-06-09): No action<br>Buyer Comment (2025-06-08): Disregard added to file in error<br>Buyer Comment (2025-06-06): XX/XX/XXXX Appeal - Loan, it is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. GFE not required. - XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539981 | 33516956 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539982 | 33517352 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539982 | 33517440 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539992 | 33517290 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-13): Exception remains, subject loan is not a HELOC.<br>Buyer Comment (2025-06-12): 6.12.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required. XX. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539992 | 33517381 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539992 | 33517395 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539992 | 33517421 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539992 | 33517422 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539992 | 33517425 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539992 | 33517426 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539997 | 33486150 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539997 | 33486646 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539997 | 33487607 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539997 | 33487608 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-02): Exception remains. Unable to determine specific property type at origination.<br>Buyer Comment (2025-06-02): Document MSP uploaded in XXXX observed that the loan is SFD, XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540023 | 33518388 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540023 | 33518539 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | Yes B |
| XXXX |  |  | 3158540031 | 33516706 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Affidavit of Borrower(s) and Mortgagor(s) # 2 Borrower has received the notices and information Borrower is entitled to receive under the law, including, without limitation, the Truth-in-Lending Act, the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540031 | 33516903 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540031 | 33516905 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540031 | 33516907 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540031 | 33516908 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540031 | 33516909 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540031 | 33516910 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540031 | 33516917 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Affidavit of Borrower(s) and Mortgagor(s) # 2 Borrower has received the notices and information Borrower is entitled to receive under the law, including, without limitation, the Truth-in-Lending Act, the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. GFE not required. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540031 | 33516920 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540040 | 33516776 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540040 | 33516777 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Mortgagor's Statement # 2 Borrower has received the notices and information Borrower is entitled to receive under the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540040 | 33516852 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540040 | 33516853 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-03): Appeal - A Good Faith Estimate (GFE) is not required for Home Equity Lines of Credit (HELOCs). HELOCs were exempt from the requirements of RESPA (Real Estate Settlement Procedures Act) and thus do not require a GFE. Instead, HELOCs are subject to Regulation Z (Truth in Lending). |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540040 | 33518056 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540040 | 33518058 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540071 | 33516732 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540071 | 33516733 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-11): Exception remains, subject transaction is not a HELOC.<br>Buyer Comment (2025-06-10): 6.10.25 Appeal. A Final 1003 is not required for a HELOC transaction. Please review and rescind. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540071 | 33517484 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540071 | 33517512 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540071 | 33517513 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540093 | 33518549 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540093 | 33518551 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540093 | 33518623 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540093 | 33518624 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540093 | 33518657 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540093 | 33518658 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540093 | 33518659 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540093 | 33518661 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540093 | 33518662 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540093 | 33518663 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540095 | 33516888 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540095 | 33517119 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540095 | 33517122 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540095 | 33517137 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540095 | 33517138 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540095 | 33518530 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540100 | 33523176 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540100 | 33523178 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540100 | 33523223 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540125 | 33486412 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-16): Promissory Note is not a line of credit. Exception remains. Missing Final Loan Application from Origination.<br>Buyer Comment (2025-06-13): XX/XX/XXXX - Appeal. Final 1003 not applicable on HELOCs.-XXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540125 | 33486413 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540125 | 33486499 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540125 | 33486500 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540125 | 33486543 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540125 | 33486545 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540130 | 33523170 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540130 | 33523172 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540130 | 33523455 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540130 | 33524051 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540130 | 33524053 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540130 | 33524057 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540130 | 33569070 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540146 | 33523019 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540146 | 33523024 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540146 | 33523100 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540146 | 33523102 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540146 | 33523105 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540146 | 33523150 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540153 | 33517002 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540153 | 33517003 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540153 | 33518359 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540153 | 33518360 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540153 | 33518361 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-10): Exception remains, unable to determine specific property type at origination.<br>Buyer Comment (2025-06-09): XX/XX/XXXX appeal: Please find the origination homeowner's policy which shows the subject is a single-family property. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540153 | 33518376 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540153 | 33518377 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540167 | 33517480 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $922.50 is underdisclosed from HUD Finance Charge of $1,022.50 in the amount of $100.00. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower of the error and providing correct information, Proof of Delivery, Refund check for under-disclosed amount, and Re-open Rescission if applicable. B |  |  | Yes B |
| XXXX |  |  | 3158540167 | 33517481 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540167 | 33517482 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540174 | 33517298 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158540174 | 33518223 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158540174 | 33518231 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158540174 | 33518309 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Missing | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158540174 | 33518310 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158540174 | 33518311 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158540174 | 33518313 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158540174 | 33518314 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158540174 | 33518316 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158540174 | 33528912 | XX/XX/XXXX | Credit | Missing Document | General | Missing Document | Incomplete Document: Note - Subject Lien is incomplete |  | HELOC Incomplete missing page 3 of 3. Data captured as per pages provided. |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | UTD - UTD | D |  |  | No B |
| XXXX |  |  | 3158540197 | 33516978 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540197 | 33517011 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540197 | 33517014 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540197 | 33517045 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540197 | 33517046 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-07-01): The attached Legal/Vesting report is missing the mortgage section. Per post closing documentation in file, subject loan is a 1st lien and there is an additional lien at time of origination. Final Title is required.<br>Buyer Comment (2025-06-30): per HUD XXXX title search,XX,<br>Buyer Comment (2025-06-30): 6.30.25 Appeal attached title search XX/XX/XXXX at origination all pages, XXXXX division originated loan Note XXXXX- First mtg kindly review rescind.XX. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540197 | 33517056 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540197 | 33517057 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540197 | 33517058 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540197 | 33518382 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540209 | 33516968 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540209 | 33516969 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540209 | 33517088 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540209 | 33517089 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540209 | 33518272 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540209 | 33518273 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540217 | 33516982 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540217 | 33517077 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540217 | 33517079 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540217 | 33517750 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-19): This HELOC is a 1st position lien - Title required.<br>Buyer Comment (2025-06-18): loan was a HELOC - title not required<br>Reviewer Comment (2025-06-18): Attached TPOL is from XXXX. Origination is from XXXX.<br>Buyer Comment (2025-06-17): XX/XX/XXXX appeal. See attachment - XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540217 | 33538034 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540221 | 33523885 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540221 | 33523941 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540221 | 33523943 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540221 | 33527174 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540242 | 33523280 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540242 | 33523298 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540242 | 33523303 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540242 | 33523355 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540242 | 33523358 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $218.48. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158540244 | 33516993 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540244 | 33517029 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540244 | 33517031 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540244 | 33517033 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540244 | 33517034 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540244 | 33517041 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540244 | 33517042 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540244 | 33523456 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540248 | 33517487 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540248 | 33517488 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540248 | 33517577 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540248 | 33517579 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540248 | 33517590 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540248 | 33517591 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540252 | 33485924 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540252 | 33485965 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540252 | 33485981 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540252 | 33485983 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540252 | 33485986 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540252 | 33487798 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540260 | 33527944 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540260 | 33527945 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540260 | 33528114 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540260 | 33528129 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540260 | 33528240 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540260 | 33528241 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540260 | 33528243 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540306 | 33527570 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540306 | 33527571 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540306 | 33527732 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540306 | 33527734 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540306 | 33527761 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540306 | 33527762 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540309 | 33527645 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-13): Exception remains, subject loan is not a HELOC.<br>Buyer Comment (2025-06-10): 6.10.25 Appeal. A Final 1003 is not required for a HELOC transaction. Please review and rescind. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540309 | 33527691 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540309 | 33527692 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Buyer Comment (2025-07-09): Appeal: Please escalate/discuss with XXXX XXXX.<br>Reviewer Comment (2025-07-03): Exception remains. Final Title policy required for 1st lien transactions.<br>Buyer Comment (2025-07-02): XX/XX/XXXX Appeal: Please find the attached title work from origination. A final title was not required. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540309 | 33527776 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540309 | 33527777 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540309 | 33527779 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540310 | 33523082 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540310 | 33523088 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540310 | 33523392 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540310 | 33523394 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540310 | 33523918 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540310 | 33523921 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540323 | 33527487 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540323 | 33528005 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Note | TILA HELOC - Credit Agreement Missing | Unable to test HELOC Agreement due to missing information. |  |  | Reviewer Comment (2025-06-13): Exception remains, Signature date on HELOC missing.<br>Buyer Comment (2025-06-10): XX/XX/XXXX Appeal: see page 1839 / doc XXXX of the HELOC Agreement showing the Billing Rights in section VIII.XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540323 | 33528011 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540323 | 33557972 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Missing | Unable to test billing rights due to missing information. |  |  | Reviewer Comment (2025-07-03): Exception remains, Signature date on HELOC missing.<br>Buyer Comment (2025-07-01): Appeal: The HELOC is dated on page 1 as XX/XX/XXXX . It is noted that there is not a line and spot for date on sugnature page of HELOC, indicating that signature date is not required.<br>Reviewer Comment (2025-06-13): Exception remains, Signature date on HELOC missing.<br>Buyer Comment (2025-06-10): XX/XX/XXXX Appeal: see page 1839 / doc XXXX of the HELOC Agreement showing the Billing Rights in section VIII.XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540326 | 33526849 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540326 | 33526862 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . | Disbursement date XX/XX/XXXX per HUD. Notary date on Security Instrument XX/XX/XXXX . |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540326 | 33526863 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540326 | 33526867 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540354 | 33524275 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-06-17): A post dated certificate can not be used for this origination date of loan<br>Buyer Comment (2025-06-17): Appeal – Flood Cert. See attached. Please refer to the Collateral Summary of the Boarding Data Sheet which reflected the map, section, flood section (not in flood area), and flood notice date of the flood cert at time of origination. The second image is <br> A current flood cert which is the exact information of flood cert at origination – the map date (XX/XX/XXXX), map # XXXX, community, the flood section – "X" not in flood hazard area. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540354 | 33524276 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540354 | 33524278 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540354 | 33524279 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540354 | 33524335 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540354 | 33524336 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540354 | 33524338 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540354 | 33524339 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540363 | 33524241 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-12): Exception remains. No title in file.<br>Buyer Comment (2025-06-09): title |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540363 | 33525683 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540363 | 33525686 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Reviewer Comment (2025-07-07): The rescission rules under open-end credit plans allow the consumer to exercise their right to rescind until midnight of the third business day following the last occurrence of the following events:<br> 1. The date of the transaction; <br> 2. Delivery of the rescission notice; and <br> 3. Delivery of all material disclosures.<br> Under #1 above, this would represent the date the credit line was opened. While this would normally be evidenced by the signature of the HELOC Credit Agreement (i.e., the Note), the Credit Agreement does not indicate which date the document was signed. However, the Security Instrument does show the HELOC Mortgage was signed on XX/XX/XXXX s evidenced by the notary date. Given the Mortgage and HELOC Agreement (or Note) are normally signed together, our default testing relies on the Notary Date of the Security Instrument when the HELOC Agreement (or Note) does not evidence the specific date the document was signed. Given the Mortgage was signed on XX/XX/XXXX the rescission expiration date would be XX/XX/XXXX midnight of). The Expiration Date on the RTC shows XX/XX/XXXX hich does not appear to provide three business days from the latest of the three events. <br> Please provide evidence the Credit Line was opened on XX/XX/XXXX espite the fact the Mortgage and HELOC Agreement both appear to have been signed on XX/XX/XXXX Note the preprinted date of XX/XX/XXXX n page 1 of the HELOC Agreement is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br>Buyer Comment (2025-07-02): Rescission period start date: The three-day right of rescission period, established under the Truth in Lending Act (TILA), doesn't begin until after these three events have occurred: Signing of the credit contract (Promissory Note). Receipt of the TILA disclosure document (Closing Disclosure). Receipt of two copies of the notice explaining the right to rescind. The Acknowledgment that the borrower received 2 copies of the right to cancel is initialed and dated by the borrower XX/XX/XXXX .<br>Reviewer Comment (2025-06-30): The rescission rules under open-end credit plans allow the consumer to exercise their right to rescind until midnight of the third business day following the last occurrence of the following events:<br> 1. The date of the transaction; <br> 2. Delivery of the rescission notice; and <br> 3. Delivery of all material disclosures.<br> Under #1 above, this would represent the date the credit line was opened. While this would normally be evidenced by the signature of the HELOC Credit Agreement (i.e., the Note), the Credit Agreement does not indicate which date the document was signed. However, the Security Instrument does show the HELOC Mortgage was signed on XX/XX/XXXX s evidenced by the notary date. Given the Mortgage and HELOC Agreement (or Note) are normally signed together, our default testing relies on the Notary Date of the Security Instrument when the HELOC Agreement (or Note) does not evidence the specific date the document was signed. Given the Mortgage was signed on XX/XX/XXXX the rescission expiration date would be XX/XX/XXXX midnight of). The Expiration Date on the RTC shows XX/XX/XXXX hich does not appear to provide three business days from the latest of the three events. <br> Please provide evidence the Credit Line was opened on XX/XX/XXXX espite the fact the Mortgage and HELOC Agreement both appear to have been signed on XX/XX/XXXX Note the preprinted date of XX/XX/XXXX n page 1 of the HELOC Agreement is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br>Buyer Comment (2025-06-30): Appeal – See Notary Acknowledgment. This instrument was Acknowledged before me on. The borrower executed the ROR is dated as of the transaction date XX/XX/XXXX with the Disbursement date of XX/XX/XXXX . A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the date is made clear by the date the borrower received two copies of the notice explaining your right to rescind.<br>Reviewer Comment (2025-06-12): Exception remains. RTC Expected transaction date vs actual disbursement of proceeds are the same.<br>Buyer Comment (2025-06-09): Loan summary and checks |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540363 | 33640442 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  | Reviewer Comment (2025-07-07): The rescission rules under open-end credit plans allow the consumer to exercise their right to rescind until midnight of the third business day following the last occurrence of the following events:<br> 1. The date of the transaction; <br> 2. Delivery of the rescission notice; and <br> 3. Delivery of all material disclosures.<br> Under #1 above, this would represent the date the credit line was opened. While this would normally be evidenced by the signature of the HELOC Credit Agreement (i.e., the Note), the Credit Agreement does not indicate which date the document was signed. However, the Security Instrument does show the HELOC Mortgage was signed on XX/XX/XXXX s evidenced by the notary date. Given the Mortgage and HELOC Agreement (or Note) are normally signed together, our default testing relies on the Notary Date of the Security Instrument when the HELOC Agreement (or Note) does not evidence the specific date the document was signed. Given the Mortgage was signed on XX/XX/XXXX the rescission expiration date would be XX/XX/XXXX midnight of). The Expiration Date on the RTC shows XX/XX/XXXX hich does not appear to provide three business days from the latest of the three events. <br> Please provide evidence the Credit Line was opened on XX/XX/XXXX espite the fact the Mortgage and HELOC Agreement both appear to have been signed on XX/XX/XXXX Note the preprinted date of XX/XX/XXXX n page 1 of the HELOC Agreement is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br>Buyer Comment (2025-07-02): Rescission period start date: The three-day right of rescission period, established under the Truth in Lending Act (TILA), doesn't begin until after these three events have occurred: Signing of the credit contract (Promissory Note). Receipt of the TILA disclosure document (Closing Disclosure). Receipt of two copies of the notice explaining the right to rescind. The Acknowledgment that the borrower received 2 copies of the right to cancel is initialed and dated by the borrower XX/XX/XXXX .<br>Reviewer Comment (2025-06-30): The rescission rules under open-end credit plans allow the consumer to exercise their right to rescind until midnight of the third business day following the last occurrence of the following events:<br> 1. The date of the transaction; <br> 2. Delivery of the rescission notice; and <br> 3. Delivery of all material disclosures.<br> Under #1 above, this would represent the date the credit line was opened. While this would normally be evidenced by the signature of the HELOC Credit Agreement (i.e., the Note), the Credit Agreement does not indicate which date the document was signed. However, the Security Instrument does show the HELOC Mortgage was signed on XX/XX/XXXX s evidenced by the notary date. Given the Mortgage and HELOC Agreement (or Note) are normally signed together, our default testing relies on the Notary Date of the Security Instrument when the HELOC Agreement (or Note) does not evidence the specific date the document was signed. Given the Mortgage was signed on XX/XX/XXXX the rescission expiration date would be XX/XX/XXXX midnight of). The Expiration Date on the RTC shows XX/XX/XXXX hich does not appear to provide three business days from the latest of the three events. <br> Please provide evidence the Credit Line was opened on XX/XX/XXXX espite the fact the Mortgage and HELOC Agreement both appear to have been signed on XX/XX/XXXX Note the preprinted date of XX/XX/XXXX n page 1 of the HELOC Agreement is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br>Buyer Comment (2025-06-25): Appeal – See Notary Acknowledgment. This instrument was Acknowledged before me on. The borrower executed the ROR is dated as of the transaction date XX/XX/XXXX with the Disbursement date of XX/XX/XXXX . A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the date is made clear by the date the borrower received two copies of the notice explaining your right to rescind. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540366 | 33523473 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540366 | 33523487 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Flood Certificate Error: Certificate Number was not provided. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540366 | 33523524 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  | Buyer Comment (2025-07-09): XX/XX/XXXX Please disregard appeal. XX<br>Buyer Comment (2025-07-09): XX/XX/XXXX Appeal. Please review the document - Disbursement Request & Authorization in XXXX doc # D0070. The Disbursement request is XX/XX/XXXX and borrower acknowledgement - under financial condition were date XX/XX/XXXX , the date of the authorization is identified. XX<br>Reviewer Comment (2025-06-17): The referenced document does not include or mention a Disbursement date.<br>Buyer Comment (2025-06-14): XX/XX/XXXX Appeal. Please see XXXX doc # 0070 page 3 states: Prior to signing this Creditg Insurance Notice on XX/XX/XXXX , I read and understood all the provisions of this Disclosure.", the disbursement date. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540366 | 33523527 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-12): Document is Broker initial application. Exception remains.<br>Buyer Comment (2025-06-08): XX/XX/XXXX Appeal. Initial loan application is received by mail on XX/XX/XXXX . This application is in XXXX Doc # 0076. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540367 | 33523413 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540367 | 33523547 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-06-12): Exception remains, Unable to determine specific rate from origination.<br>Buyer Comment (2025-06-09): Appeal - See initial Rate and Current rate based on variable rate adjustments. Please advise what is needed additionally if this is not sufficient to clear condition. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540367 | 33523550 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540367 | 33523552 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540367 | 33523554 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540367 | 33523556 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540368 | 33523522 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540368 | 33523533 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540368 | 33523719 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540368 | 33523737 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540368 | 33523763 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540368 | 33524013 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540368 | 33524014 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540368 | 33524016 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540368 | 33524018 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540368 | 33524019 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540368 | 33524020 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540375 | 33488836 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540375 | 33488843 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540375 | 33488888 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Buyer Comment (2025-07-08): See Title Search Report |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540375 | 33488890 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540375 | 33488892 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540375 | 33492825 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540375 | 33492827 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540375 | 33492831 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $243.46. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158540391 | 33499307 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540391 | 33499308 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540397 | 33524190 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540397 | 33524191 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540397 | 33524196 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540397 | 33524198 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540397 | 33524201 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540397 | 33524202 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540397 | 33524203 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540399 | 33489796 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540399 | 33489805 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540399 | 33489874 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540399 | 33489877 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540399 | 33493462 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540399 | 33493463 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540399 | 33493467 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540399 | 33493475 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158540399 | 33493478 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158540414 | 33487888 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Flood Certificate Error: Certificate Number was not provided. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540414 | 33487894 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540414 | 33487911 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540414 | 33487912 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540414 | 33487980 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540414 | 33487983 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540414 | 33487984 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $247.26. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158540416 | 33524473 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540416 | 33524567 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540440 | 33526166 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540447 | 33524407 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (2025-06-16): The exception remains as the correct, signed Final HUD is doc #XXXX which does not include a DD.<br>Buyer Comment (2025-06-14): XX/XX/XXXX Appeal. Please refer to HUD -1 in XXXX Doc # XXXX. The HUD indicated disbursement date of XX/XX/XXXX . XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540447 | 33527247 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for the compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540450 | 33524517 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540450 | 33524521 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540451 | 33524270 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158540466 | 33524346 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540466 | 33524355 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540466 | 33525496 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540466 | 33525522 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540466 | 33525524 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158540473 | 33524436 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540473 | 33524440 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540473 | 33524443 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540473 | 33524445 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540473 | 33537808 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540483 | 33526895 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540483 | 33526915 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540483 | 33526922 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540483 | 33526930 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540483 | 33526931 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540483 | 33526933 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540483 | 33526934 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540483 | 33526935 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540488 | 33524575 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540488 | 33524630 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540488 | 33524632 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (2025-06-12): Exception remains. The disbursement date should come from page one of the HUD. When page one is missing this information, we look for evidence of funding from the settlement agent. If none found, our system will use the "Interest From" date to be able to run compliance and will also generate a level 2 exception. Unable to determine Funding Worksheet from the settlement agent.<br>Buyer Comment (2025-06-09): TIL and disbursement checks |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540488 | 33524634 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br>Buyer Comment (2025-06-09): origination appraisal |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540488 | 33524636 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  | Reviewer Comment (2025-06-12): Exception remains. The disbursement date should come from page one of the HUD. When page one is missing this information, we look for evidence of funding from the settlement agent. If none found, our system will use the "Interest From" date to be able to run compliance and will also generate a level 2 exception. Unable to determine Funding Worksheet from the settlement agent.<br>Buyer Comment (2025-06-09): TIL and disbursement |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540495 | 33527826 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540495 | 33527827 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540495 | 33527883 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540508 | 33524459 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540508 | 33524486 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540508 | 33524487 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-07-03): Referenced XXXXXXX ot list a property type. 'Detached' is the garage. Additionally, it is not dated at the time of origination. Exception remains.<br>Buyer Comment (2025-06-28): Appeal. Document showing detached. Please see page 105 XXXXX in XXXXXX - XXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540508 | 33524489 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540508 | 33524498 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540508 | 33524499 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540519 | 33488650 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540519 | 33488651 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540519 | 33488687 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540519 | 33488688 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540519 | 33488771 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540519 | 33488773 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540519 | 33488775 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540519 | 33488776 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540519 | 33488777 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540524 | 33524539 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540524 | 33524540 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540524 | 33524596 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540524 | 33524597 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540524 | 33524598 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540524 | 33524600 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540524 | 33524607 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540524 | 33524608 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540532 | 33524604 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540532 | 33524606 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540532 | 33524652 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540532 | 33524654 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540532 | 33525333 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540532 | 33525335 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540532 | 33525343 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $70.16. | TIL Itemization did not include Abstract or title Search XX/XX/XXXX 5.00 and Flood Determination XX/XX/XXXX .00. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158540532 | 33525350 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540532 | 33525351 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540532 | 33525352 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540541 | 33489153 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540541 | 33489155 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540541 | 33489191 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540541 | 33493132 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540568 | 33517441 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540568 | 33517524 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540568 | 33517547 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540568 | 33517548 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540568 | 33517550 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Reviewer Comment (2025-06-10): Exception remains, missing initial lenders application to determine.<br>Buyer Comment (2025-06-06): ABA |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540568 | 33517551 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Reviewer Comment (2025-06-13): Exception remains, Unable to determine prior lender.<br>Buyer Comment (2025-06-12): Per the Promise to Pay section, interest does not begin until the business day following the midnight expiration of the rescission period: XX/XX/XXXX s identified as the day the loan<br>Buyer Comment (2025-06-12): Per the Promise to Pay section, interest does not begin until the business day following the midnight expiration of the rescission period: XX/XX/XXXX s identified as the day the loan will fund and the borrow |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540568 | 33517552 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  | Reviewer Comment (2025-06-10): Exception remains, RTC expiration date states XX/XX/XXXX .<br>Buyer Comment (2025-06-08): Per the Promise to Pay section, interest does not begin until the business day following the midnight expiration of the rescission period: XX/XX/XXXX s identified as the day the loan will fund and the borrower is obligated to the repayment as disclosed. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540573 | 33517649 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540573 | 33517738 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540573 | 33517742 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-10): Exception remains, application date must be on form produced by lender with lenders name.<br>Buyer Comment (2025-06-08): Appeal - Initial Loan application date verification. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540573 | 33517743 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540573 | 33517745 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540573 | 33517746 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Illinois Late Charge Percent Testing | Illinois Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 5%. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540573 | 33517747 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540578 | 33518598 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $0.00 is underdisclosed from HUD Finance Charge of $1,115.00 in the amount of $1,115.00. |  |  | Reviewer Comment (2025-06-05): Exception remain, Broker fee in the amount of 785 not disclosed on HELOC agreement.<br>Buyer Comment (2025-06-03): Appeal – The subject transaction was a no cost HELOC, borrower paid Broker out of proceeds and closing costs were not paid by borrower as reflected on the LAS Report. See final HUD, Borrower received $XX,XXX.XX after deduction for Broker of $785.00 for a total to match the loan amount of $XX,XXX.XX. The transaction was not subject to finance charges. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower of the error and providing correct information, Proof of Delivery, Refund check for under-disclosed amount, and Re-open Rescission if applicable. B |  |  | Yes B |
| XXXX |  |  | 3158540578 | 33518599 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540578 | 33518601 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540578 | 33518604 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540578 | 33518609 | XX/XX/XXXX | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Coverage amount was not provided. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540578 | 33518611 | XX/XX/XXXX | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540578 | 33523578 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540583 | 33517503 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540583 | 33517618 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540583 | 33517620 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540583 | 33517632 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540583 | 33517660 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540583 | 33523360 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Indiana Late Charge Amount Testing | Indiana Late Charge: Note late charge amount of $XX exceeds the state maximum of $17.00. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540599 | 33517664 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540599 | 33517681 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540599 | 33517757 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540599 | 33517758 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540599 | 33517760 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540627 | 33517846 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540627 | 33517868 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540637 | 33517393 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540637 | 33517394 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Mortgagor's Statement # 2 Borrower has received the notices and information Borrower is entitled to receive under the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540637 | 33517457 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540637 | 33517458 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540637 | 33517459 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540637 | 33517461 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540637 | 33517462 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540637 | 33517463 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540637 | 33517465 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540637 | 33517466 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-03): Appeal - A Good Faith Estimate (GFE) is not required for Home Equity Lines of Credit (HELOCs). HELOCs were exempt from the requirements of RESPA (Real Estate Settlement Procedures Act) and thus do not require a GFE. Instead, HELOCs are subject to Regulation Z (Truth in Lending). |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540648 | 33517869 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540648 | 33517870 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540648 | 33517919 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540648 | 33517921 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540648 | 33517933 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540648 | 33517939 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540649 | 33517792 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540649 | 33517793 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540649 | 33517822 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540649 | 33517823 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540649 | 33517834 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540649 | 33517835 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540649 | 33517836 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540649 | 33517838 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540654 | 33503694 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540654 | 33503696 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540654 | 33503793 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540667 | 33518202 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-09): Exception remains, appraisal provided is not for subject property.<br>Buyer Comment (2025-06-05): origination appraisal |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540667 | 33518218 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540667 | 33523964 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540667 | 33524078 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Not Provided Timely | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower at application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540667 | 33524079 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower at application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540668 | 33518118 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540668 | 33518119 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-06-17): Flood certificate was not provided. The collateral summary only reflects that it is not in a flood zone.<br>Buyer Comment (2025-06-17): Appeal – Please see attached and in XXXX doc XXXX. Please refer to the Collateral Summary of the Boarding Data Sheet which reflected the map date XX/XX/XXXX), map # XXXX, flood section (not in flood area), and flood notice date of the flood cert at time of origination XX/XX/XXXX supporting not in flood zone. XX<br>Buyer Comment (2025-06-17): XX/XX/XXXX Appeal. Please refer to XXXX XXXX, Boarding Data Sheet Collateral Summary, which refers to - flood section , map #, map date, community, and the flood cert date of XX/XX/XXXX which is also the origination date. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540668 | 33518342 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540668 | 33518347 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Kansas Prepayment Penalty | Kansas Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 6 months. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540674 | 33516490 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Mortgagor's Statement # 2 Borrower has received the notices and information Borrower is entitled to receive under the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540674 | 33516494 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540674 | 33516515 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-03): Appeal - A Good Faith Estimate (GFE) is not required for Home Equity Lines of Credit (HELOCs). HELOCs were exempt from the requirements of RESPA (Real Estate Settlement Procedures Act) and thus do not require a GFE. Instead, HELOCs are subject to Regulation Z (Truth in Lending). |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540674 | 33516618 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540681 | 33518405 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540681 | 33518504 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540681 | 33518506 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-11): Exception remains, Unable to determine specific property type at origination.<br>Buyer Comment (2025-06-08): Property Type |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540692 | 33524841 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540692 | 33524843 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540692 | 33524847 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Massachusetts Open End Late Charge Percent and Amount Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540692 | 33524901 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540696 | 33524774 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540696 | 33524788 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540696 | 33534410 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540696 | 33534463 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540702 | 33524644 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540702 | 33524776 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540702 | 33524777 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540702 | 33524779 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540702 | 33524785 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540702 | 33524786 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540702 | 33524790 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540713 | 33525676 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158540713 | 33538201 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158540775 | 33524709 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540775 | 33524966 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540775 | 33524967 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-13): Exception remains, Document referenced is missing application date.<br>Buyer Comment (2025-06-12): 6-12-25 APPEAL, Please review Boarding Data Sheet DOC ID XXXX, for the application date. /XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540775 | 33524968 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-13): Please provide Appraisal from origination.<br>Buyer Comment (2025-06-12): 6-12-25 APPEAL, Please review Property Report DOC ID XXXX for property type as condo. Also see attached Title search, legal description identifies as condo. /XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540775 | 33526704 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540775 | 33526706 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540780 | 33524803 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540780 | 33524903 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540780 | 33524907 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540780 | 33524909 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540780 | 33524911 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540786 | 33524816 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540786 | 33524817 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540786 | 33524876 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540786 | 33524878 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540786 | 33524891 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540786 | 33524898 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540786 | 33524899 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540850 | 33518253 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - UTD | C |  |  | No B |
| XXXX |  |  | 3158540850 | 33518557 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158540850 | 33518559 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158540850 | 33518560 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Ohio Late Charge Percent and Amount Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  | Reviewer Comment (2025-06-20): Exception remains, The Ohio late charge limitation cited in exception 22054 applied to "registrants", which was defined as "a person to whom one or more certificates of registration have been issued under sections 1321.51 to 1321.60 of the Revised Code". The exemption for banks applied to sections 1321.01 to 1321.19 and the late charge limitation was cited under 1321.57 and 1321.58.<br>Based on review of the Ohio Code, it is unclear whether the late charge limitation under Ohio Rev. Code § 1321.58(C)(3) would have been applicable to the lender and subject loan at the time of origination. Note the exception is graded EV2-B.<br>Please provide an attestation from the lender stating that they did not have any certificates of registration issued to them at the time this loan was originated and were not subject to any of the requirements under Ohio Rev. Code § 1321 for further review.<br>Citations: Ohio Rev. Code § 1321.57(L) and Ohio Rev. Code § 1321.58(C)(3)<br> Ohio Rev. Code § 1321.57(L) Computation of Interest<br> (L) If the loan contract so provides, a registrant may collect a default charge on any installment not paid in full within ten days after its due date. For this purpose, all installments are considered paid in the order in which they become due. Any amounts applied to an outstanding loan balance as a result of voluntary release of a security interest, sale of security on the loan, or cancellation of insurance shall be considered payments on the loan, unless the parties otherwise agree in writing at the time the amounts are applied. The amount of the default charge shall not exceed the greater of five per cent of the scheduled installment or fifteen dollars.<br> Ohio Rev. Code § 1321.58(C)(3) Open-end loans by registrant - interest - charges<br> (3) A default charge on any required minimum payment not paid in full within ten days after its due date. For this purpose, all required minimum payments are considered paid in the order in which they become due. The amount of the default charge shall not exceed the greater of five per cent of the required minimum payment or fifteen dollars.<br>Buyer Comment (2025-06-17): XX/XX/XXXX appeal: Late fees for Ohio shows "as agreed" for bank originated loans. The lender for this loan is XXXXXX. Licensed lender originated loans are greater of 5% or $15 with 10 day grace period. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158540850 | 33562853 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158540857 | 33527316 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540857 | 33527454 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540857 | 33527459 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540857 | 33527461 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540857 | 33527463 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540857 | 33527464 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540857 | 33527465 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540857 | 33527466 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540864 | 33524806 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540864 | 33524807 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540864 | 33524812 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540864 | 33524813 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540864 | 33524865 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540864 | 33524866 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-16): Referenced XXXXXXX ot specify type of property, ie: SFR detached/attached/PUD, etc. Missing Appraisal from origination.<br>Buyer Comment (2025-06-13): XX/XX/XXXX - Appeal. Found document showing property type that says subject property is 1-4 family . Please refer to Page 384 XXXXX in XXXXXX - XXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540872 | 33524888 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540872 | 33524889 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540872 | 33524913 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540872 | 33524914 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540872 | 33524920 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540872 | 33524921 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540872 | 33524922 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540872 | 33524924 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540872 | 33524925 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540872 | 33524926 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540877 | 33525235 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540877 | 33525241 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540877 | 33538240 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540883 | 33526916 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $1,815.00 is underdisclosed from HUD Finance Charge of $1,819.50 in the amount of $4.50. |  |  | Buyer Comment (2025-07-09): XX/XX/XXXX : Appeal. Please re-review the appeal. Undisclosed amount of flood cert is XX/XX/XXXX tolerance for the loan is up to $35. This exception type had been appealed successfully before. Please review or escalate. XX<br>Reviewer Comment (2025-06-16): Exception remains, Flood cert not included on HELOC agreement.<br>Buyer Comment (2025-06-13): XX/XX/XXXX Appeal. The under disclosed amount of $4.50 is below the tolerance threshold of $35 for refinances. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower of the error and providing correct information, Proof of Delivery, Refund check for under-disclosed amount, and Re-open Rescission if applicable. B |  |  | Yes B |
| XXXX |  |  | 3158540883 | 33526917 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  | Buyer Comment (2025-07-09): XX/XX/XXXX : Appeal. Please re-review the appeal. Undisclosed amount of flood cert is XX/XX/XXXX tolerance for the loan is up to $35. This exception type had been appealed successfully before. Please review or escalate. XX<br>Reviewer Comment (2025-06-16): Exception remains, HELOC agreement did not reflect a flood cert fee and HUD did include a Flood cert fee.<br>Buyer Comment (2025-06-13): XX/XX/XXXX Appeal. Please clarify what is needed. Unable to determine if exception is informational only; unable to determine what is the issue. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | A |  |  | No B |
| XXXX |  |  | 3158540883 | 33526919 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540883 | 33526940 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540883 | 33669818 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540908 | 33493038 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540908 | 33493081 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540908 | 33493806 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540918 | 33524951 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540918 | 33526687 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540918 | 33526688 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540918 | 33526690 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540918 | 33526691 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540918 | 33526694 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540918 | 33526695 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540925 | 33525013 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540925 | 33526839 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540925 | 33526840 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540925 | 33526842 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540925 | 33526843 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Reviewer Comment (2025-06-11): Exception remains, unable to determine prior transaction originator.<br>Buyer Comment (2025-06-07): 6.7.25 Appeal per HUD AMC XXXXXXX XXXX paid off XXXX, XXXXXXX shows RTC H8 form for different lender. Kindly review rescind.XX. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540925 | 33526865 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540925 | 33526866 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540945 | 33525034 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540945 | 33525096 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540945 | 33525098 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540945 | 33525117 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540945 | 33525118 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540945 | 33525129 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540945 | 33525134 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540946 | 33527979 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Buyer Comment (2025-07-10): Appeal: Legal & Vesting Report/title search provided, escalate to XXXX<br>Reviewer Comment (2025-06-18): Exception remains, Final title required on first lien mortgage.<br>Buyer Comment (2025-06-16): The Real Estate Settlement Procedures Act (RESPA) does not require a title policy on a Home Equity Line of Credit (HELOC) when it's the first mortgage. RESPA primarily applies to "federally related mortgage loans," which generally include first mortgages used to purchase or refinance a one to four family residential property<br>Reviewer Comment (2025-06-12): Exception remains, Final title required on first lien mortgage.<br>Buyer Comment (2025-06-08): Title Search<br>Buyer Comment (2025-06-08): The subject loan did not require a title policy at the time of origination. Please see the attached supporting docs. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - UTD | C |  |  | No B |
| XXXX |  |  | 3158540946 | 33528027 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158540946 | 33562901 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158540958 | 33488907 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540958 | 33489990 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540958 | 33489993 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540958 | 33491226 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540958 | 33491229 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540958 | 33491231 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540958 | 33491232 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Third Circuit) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 3rd circuit) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540970 | 33525088 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-13): Exception remains, subject loan is not a HELOC.<br>Buyer Comment (2025-06-12): 6.12.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540970 | 33525139 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540970 | 33525199 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540970 | 33525201 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540970 | 33525221 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540970 | 33525222 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540970 | 33527868 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540971 | 33525028 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540971 | 33525029 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540971 | 33525044 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540971 | 33525045 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540971 | 33525066 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540971 | 33525067 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540971 | 33525068 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540971 | 33525070 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540977 | 33527554 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - UTD | C |  |  | No B |
| XXXX |  |  | 3158540977 | 33527593 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158540977 | 33527596 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158540977 | 33527597 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Illinois Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158540977 | 33527599 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty | Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158540977 | 33563020 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158540985 | 33525626 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $2,880.00 is underdisclosed from HUD Finance Charge of $2,884.50 in the amount of $4.50. |  |  | Reviewer Comment (2025-06-16): Exception remains, HELOC finance charges under disclosed.<br>Buyer Comment (2025-06-10): XX/XX/XXXX Appeal: Finance charges underdisclosed by the $4.50 flood cert. fee, however not an issue due to less than the $100 finance tolerance.XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Provide the following: Letter of Explanation notifying borrower of the error and providing correct information, Proof of Delivery, Refund check for under-disclosed amount, and Re-open Rescission if applicable. B |  |  | Yes B |
| XXXX |  |  | 3158540985 | 33525627 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  | Reviewer Comment (2025-06-13): Exception remains. Fees on HUD exceed fees on page 5 of HELOC.<br>Buyer Comment (2025-06-10): XX/XX/XXXX Appeal: Closing costs on page 5 of the HELOC agreement match closing costs on the HUD1 with the exception of the $4.5 flood cert fee. The only variance between the documents are payoffs in the 1300s. Note: Unsecured payoffs, like personal loans or credit card debts, are typically not classified as closing costs under the RESPA. Closing costs are specifically related to expenses directly associated with the real estate transaction. However not an issue due to less than the $100 finance tolerance.XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158540985 | 33525629 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540995 | 33525161 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540995 | 33525205 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540995 | 33525206 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540995 | 33525208 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541005 | 33531892 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541005 | 33531893 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541005 | 33531895 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541005 | 33531896 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541005 | 33531897 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | New York Prepayment Penalty | New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of X.XX% contracts for a prepay term of XX months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541016 | 33488710 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541016 | 33488711 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541016 | 33488861 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541016 | 33488863 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541016 | 33488867 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541016 | 33488873 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541016 | 33488874 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541016 | 33557908 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $139.99. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Reviewer Comment (2025-07-02): Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate calculation on the loan.<br>Buyer Comment (2025-06-26): 6/26-Note interest type is a fixed rate please explain why that is the reason for underdisclosure. XX<br>Reviewer Comment (2025-06-13): Exception remains, under disclosure caused by interest type.<br>Buyer Comment (2025-06-12): 6/12-Appeal: Please refer to exception ID #XXXXXX and rescind. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158541017 | 33525488 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-13): Exception remains, subject loan is not a HELOC.<br>Buyer Comment (2025-06-12): 6.12.25 Appeal-Loan is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required. |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541017 | 33525490 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541017 | 33525506 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-10): Exception remains, final title required for 1st lien mortgage.<br>Buyer Comment (2025-06-09): Based on review of the Mortgagors Statement a TPOL was not required. The HUD-1 also shows a charge of an Abstract Title Search. |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541017 | 33525536 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541017 | 33525537 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541022 | 33489593 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541022 | 33489671 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541022 | 33491260 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541022 | 33491262 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541022 | 33491264 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541022 | 33491265 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541022 | 33491266 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541022 | 33491267 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541022 | 33491268 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Michigan Late Charge Percent and Amount Testing | Michigan Late Charge: Note late charge of $XX exceeds state maximum of 5% or $15, whichever is greater. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541023 | 33525690 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541023 | 33525691 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541023 | 33525728 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541023 | 33525729 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541023 | 33525731 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541023 | 33525736 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541023 | 33525737 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541025 | 33525440 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541025 | 33525460 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541025 | 33525462 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541025 | 33525475 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541025 | 33525476 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541025 | 33525480 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541025 | 33525485 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541037 | 33526267 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158541037 | 33526270 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Illinois Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158541037 | 33526297 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158541037 | 33563144 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158541041 | 33527325 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541041 | 33527621 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541041 | 33527623 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541041 | 33527628 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $266.50. | TIL itemization does not include the Flood Certification XX/XX/XXXX .00 or Settlement Fee XX/XX/XXXX 65.00 as a prepaid finance charge. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158541041 | 33527632 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541041 | 33527633 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541069 | 33526450 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541069 | 33526456 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541069 | 33526507 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Buyer Comment (2025-07-09): Appeal: Please escalate/discuss with XXXX XXXX.<br>Reviewer Comment (2025-07-03): Exception remains. Final Title policy required for 1st lien transactions.<br>Buyer Comment (2025-07-02): XX/XX/XXXX Appeal: Please find attached title work from origination. A final title policy was not required. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541069 | 33526512 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541069 | 33526524 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541069 | 33526530 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541069 | 33526533 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541077 | 33525448 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541077 | 33525449 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541077 | 33525498 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541077 | 33525500 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541077 | 33525555 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541077 | 33525556 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541077 | 33525557 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541085 | 33525304 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541085 | 33525925 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541085 | 33525932 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-19): This HELOC is a 1st position lien - Title required.<br>Buyer Comment (2025-06-18): HELOC - title not required |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541089 | 33526696 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-06-17): Doc uploaded is related to insurance, not Flood Cert.<br>Buyer Comment (2025-06-16): Uploaded MSP showing Flood Policy Number. Please Review. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541089 | 33526697 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541089 | 33526753 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541089 | 33526754 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541089 | 33526755 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541089 | 33526757 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541089 | 33526760 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541089 | 33526761 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541092 | 33525468 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541092 | 33525469 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541092 | 33525513 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541092 | 33525514 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541092 | 33525517 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541092 | 33525518 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $169.69. | Itemization did not disclose $150 settlement fee Title courier fee $15 and $7 Flood Certification (Life of Loan) as prepaid finance charges. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158541092 | 33525528 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541092 | 33525530 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541103 | 33489187 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541103 | 33489188 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541103 | 33489271 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541103 | 33489273 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541103 | 33489279 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541103 | 33557985 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $244.30. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158541105 | 33525489 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541105 | 33525491 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-06-13): Please provide Flood Cert from origination.<br>Buyer Comment (2025-06-13): Please review D0056. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541105 | 33525638 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541105 | 33525639 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541105 | 33525640 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-13): Please provide Appraisal from origination.<br>Buyer Comment (2025-06-13): Please review XXXXX Sub type showing for property type. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541105 | 33525646 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541105 | 33525647 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541106 | 33526279 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541106 | 33526280 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541106 | 33526283 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541106 | 33526284 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541106 | 33526312 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541106 | 33526313 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541110 | 33525612 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541110 | 33525613 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541110 | 33525770 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541110 | 33525771 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541110 | 33525772 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-13): Please provide Appraisal from origination.<br>Buyer Comment (2025-06-13): XXXXX Showing a Sub type 1-4 Family. Please review |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541110 | 33525780 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541110 | 33525781 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541111 | 33527874 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541111 | 33527916 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541111 | 33528834 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541111 | 33528835 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541111 | 33528837 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541141 | 33525544 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541141 | 33525586 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541141 | 33525595 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541141 | 33525596 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541141 | 33525598 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541142 | 33509129 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541142 | 33509130 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541142 | 33509437 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541142 | 33509438 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541142 | 33509440 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541142 | 33509442 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541142 | 33509443 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541142 | 33509444 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541142 | 33509445 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158541142 | 33509446 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158541142 | 33509448 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $6,884.40. | Note indicates the Index used was X.XX%. The closest Index available in our look-back period is X.XX%. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158541142 | 33509454 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541142 | 33509456 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541148 | 33493308 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541148 | 33493310 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541149 | 33493468 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541149 | 33493473 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541149 | 33493474 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Illinois Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541149 | 33493476 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty | Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  | Reviewer Comment (2025-06-02): Exception remains, 815 Ill. Comp. Stat. 205/4(2)(a) states that "(2) Except for loans described in subparagraph (a), (c), (d), (e), (f) or of subsection (1) of this Section, and except to the extent permitted by the applicable statute for loans made pursuant to Section 4a or pursuant to the Consumer Installment Loan Act: (a) Whenever the rate of interest exceeds an annual percentage rate of 8% on any written contract, agreement or bond for deed providing for the installment purchase of residential real estate, or on any loan secured by a mortgage on residential real estate, it shall be unlawful to provide for a prepayment penalty or other charge for prepayment." Our current guidance from outside counsel is that since it is unclear under state law how to measure the 8% threshold on an ARM loan and until further guidance is available, the conservative position is that prepayment penalties are prohibited if the APR, calculated using the maximum interest rate chargeable under the loan documents, exceeds 8%. The maximum interest rate chargeable under the loan documents on this loan is XX%.<br> The loans described in subsection (1) subparagraph (a), (c), (d), (e), (f), or are the below. There is no exemption for HELOCs.<br> (a) Any loan made to a corporation;<br> (c) Any credit transaction between a merchandise wholesaler and retailer; any business loan to a business association or copartnership or to a person owning and operating a business as sole proprietor or to any persons owning and operating a business as joint venturers, joint tenants or tenants in common, or to any limited partnership, or to any trustee owning and operating a business or whose beneficiaries own and operate a business, except that any loan which is secured (1) by an assignment of an individual obligor's salary, wages, commissions or other compensation for services, or (2) by his household furniture or other goods used for his personal, family or household purposes shall be deemed not to be a loan within the meaning of this subsection; and provided further that a loan which otherwise qualifies as a business loan within the meaning of this subsection shall not be deemed as not so qualifying because of the inclusion, with other security consisting of business assets of any such obligor, of real estate occupied by an individual obligor solely as his residence. The term "business" shall be deemed to mean a commercial, agricultural or industrial enterprise which is carried on for the purpose of investment or profit, but shall not be deemed to mean the ownership or maintenance of real estate occupied by an individual obligor solely as his residence;<br> (d) Any loan made in accordance with the provisions of Subchapter I of Chapter 13 of Title 12 of the United States Code, which is designated as "Housing Renovation and Modernization";<br> (e) Any mortgage loan insured or upon which a commitment to insure has been issued under the provisions of the National Housing Act, Chapter 13 of Title 12 of the United States Code;<br> (f) Any mortgage loan guaranteed or upon which a commitment to guaranty has been issued under the provisions of the Veterans' Benefits Act, Subchapter II of Chapter 37 of Title 38 of the United States Code;<br> Any loan made, guaranteed, or insured in accordance with the provisions of the Housing Act of 1949, Subchapter III of Chapter 8A of Title 42 of the United States Code and the Consolidated Farm and Rural Development Act, Subchapters I, II, and III of Chapter 50 of Title 7 of the United States Code;<br> (j) Any loan by an employee pension benefit plan, as defined in Section 3 (2) of the Employee Retirement Income Security Act of 1974 (29 U.S.C.A. Sec. 1002), to an individual participating in such plan, provided that such loan satisfies the prohibited transaction exemption requirements of Section 408 (b) (1) (29 U.S.C.A. Sec. 1108 (b) (1)) or Section 2003 (a) (26 U.S.C.A. Sec. 4975 (d) (1)) of the Employee Retirement Income Security Act of 1974;<br> (k) Written contracts, agreements or bonds for deed providing for installment purchase of real estate, including a manufactured home as defined in subdivision (53) of Section 9-102 of the Uniform Commercial Code that is real property as defined in the Conveyance and Encumbrance of Manufactured Homes as Real Property and Severance Act;<br> (l) Loans secured by a mortgage on real estate, including a manufactured home as defined in subdivision (53) of Section 9-102 of the Uniform Commercial Code that is real property as defined in the Conveyance and Encumbrance of Manufactured Homes as Real Property and Severance Act;<br> (m) Loans made by a sole proprietorship, partnership, or corporation to an employee or to a person who has been offered employment by such sole proprietorship, partnership, or corporation made for the sole purpose of transferring an employee or person who has been offered employment to another office maintained and operated by the same sole proprietorship, partnership, or corporation;<br> Loans to or for the benefit of students made by an institution of higher education.<br>Buyer Comment (2025-06-02): Please confirm this restriction applies to HELOC's and if so, provide the specific statute. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541155 | 33525870 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541155 | 33525884 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541155 | 33525885 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541161 | 33526781 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541161 | 33526789 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541161 | 33526790 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541161 | 33526792 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541161 | 33526793 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541161 | 33526794 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | New York Prepayment Penalty | New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of X.XX% contracts for a prepay term of XX months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541179 | 33525618 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541179 | 33525636 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541179 | 33525960 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541179 | 33525962 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541179 | 33525964 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541179 | 33525966 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541179 | 33525967 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541179 | 33525969 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541189 | 33525632 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541189 | 33525633 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541189 | 33525695 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541189 | 33525696 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541189 | 33525698 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541189 | 33525701 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541189 | 33525703 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541194 | 33525787 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541194 | 33525812 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541194 | 33525815 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541194 | 33525818 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541194 | 33525823 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541194 | 33525824 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541194 | 33525825 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541194 | 33525901 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541194 | 33525906 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541195 | 33525718 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541195 | 33525721 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541195 | 33525741 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-13): Exception remains, Document required.<br>Buyer Comment (2025-06-12): 6-12-25 APPEAL, Please review the Property Report DOC ID XXXX. The HUD, DOC ID XXXX, reflects that a title policy was not obtained. /XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541195 | 33525743 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541195 | 33525762 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541195 | 33525763 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541195 | 33525764 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-13): Please provide Appraisal from origination.<br>Buyer Comment (2025-06-12): 6-12-25 APPEAL, Please review the Property Report DOC ID XXXX for property type. /XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541195 | 33525766 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541195 | 33525767 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541227 | 33526080 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541227 | XXXXXXX | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-07-07): This exception is referring to the Initial Lender 1003 which is missing.<br>Buyer Comment (2025-07-07): Appeal. Please see Uniform Residential Loan Application on pages 63-65 XXXXX in XXXXXX, document was signed and dated by the borrower and broker (Advantage Lending) on XX/XX/XXXX . - XXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541227 | 33526084 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Pennsylvania Subordinate Lien Late Charge Percent and Amount Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541227 | 33530170 | XX/XX/XXXX | Compliance | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | (Doc Error) Loan was portrayed as first lien but found to be a second lien |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541227 | 33693431 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Reviewer Comment (2025-07-07): Document is not dated therefore it cannot be determined if timing requirements were met. Exception remains.<br>Buyer Comment (2025-07-07): Appeal. Please refer to Exception ID XXXX and Exception ID XXXXXXX. Disclosure on pages 75-79 XXXXX and application on pages 63-65 XXXXX in XXXXXX. - RAC |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541235 | 33525732 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541235 | 33525733 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541235 | 33525986 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541235 | 33525987 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541235 | 33525989 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541235 | 33525995 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541235 | 33525996 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541236 | 33490655 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541236 | 33490657 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541236 | 33490684 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541236 | 33490687 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541236 | 33493496 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541236 | 33493498 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541236 | 33493500 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541247 | 33526000 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541247 | 33526018 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541247 | 33526019 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541247 | 33526054 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541247 | 33526055 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541247 | 33526057 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541247 | 33526058 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541247 | 33526059 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541247 | 33526060 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541247 | 33526061 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158541247 | 33526062 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158541248 | 33526277 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158541248 | 33526469 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $0.00 is underdisclosed from HUD Finance Charge of $747.50 in the amount of $747.50. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower of the error and providing correct information, Proof of Delivery, Refund check for under-disclosed amount, and Re-open Rescission if applicable. B |  |  | Yes B |
| XXXX |  |  | 3158541248 | 33526470 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | A |  |  | No B |
| XXXX |  |  | 3158541248 | 33526474 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty | Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of XX.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158541261 | 33526044 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541261 | 33526046 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541261 | 33526108 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541261 | 33526109 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541261 | 33526110 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br>Buyer Comment (2025-06-10): Appeal – See page 2 of the Property Search Report, Tax Information, Property Type RSFR, also See Alternative Valuation - Exterior Report, Property Type S, Style Ranch, Residential. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541261 | 33526113 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $271.33. | TIL Itemization did not disclose Flood certification (Life of loan) of $8 and Settlement Fee of $265 as prepaid finance charges. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158541261 | 33526120 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541263 | 33489421 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Mortgagor's Statement # 2 Borrower has received the notices and information Borrower is entitled to receive under the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541263 | 33489897 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-03): Appeal - A Good Faith Estimate (GFE) is not required for Home Equity Lines of Credit (HELOCs). HELOCs were exempt from the requirements of RESPA (Real Estate Settlement Procedures Act) and thus do not require a GFE. Instead, HELOCs are subject to Regulation Z (Truth in Lending). |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541263 | 33491834 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541263 | 33491836 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541263 | 33491838 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541263 | 33553633 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $203.51. | Unable to determine under disclosure due to missing itemization of amount financed. |  | Reviewer Comment (2025-06-05): Exception remains, Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the flood fee, origination fee, or settlement/closing fee.<br>Buyer Comment (2025-06-03): Appeal: Please also see XXXXX for the borrower charges. As the decision detail required and the HUD confirms the borrower paid the title policy. No other fees were paid by the borrower (financed or cash).<br>Reviewer Comment (2025-06-02): Exception remains. Closing fee POC does not list Payor<br>Buyer Comment (2025-06-02): Appeal: Please see XXXXX showing borrower to pay title insurance. All other fees were lender paid and therefore the closing fee is not considered a PPFC. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158541264 | 33526146 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541264 | 33526147 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541264 | 33526170 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541264 | 33526173 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541264 | 33526175 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541264 | 33526179 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541264 | 33526196 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541264 | 33526203 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541264 | 33526213 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541313 | 33524668 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541313 | 33524669 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541313 | 33524696 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541313 | 33524732 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541313 | 33524733 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541313 | 33524734 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541313 | 33524736 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541320 | 33525520 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541320 | 33525525 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541320 | 33525567 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541320 | 33525570 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541320 | 33525573 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | New York Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 2%. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541320 | 33525575 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | New York Prepayment Penalty | New York Prepayment Penalty: A prepayment penalty is not permissible on an adjustable rate loan less than $250,000 and an introductory period less than 5 years. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541320 | 33525579 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541320 | 33525580 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541320 | 33525592 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158541320 | 33525593 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158541320 | 33529734 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541329 | 33525071 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541329 | 33525073 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541329 | 33526355 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541329 | 33526356 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541329 | 33526361 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541329 | 33526363 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541339 | 33489538 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158541339 | 33489886 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158541339 | 33490032 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158541339 | 33490033 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158541339 | 33490035 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Illinois Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158541343 | 33526446 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541343 | 33526447 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541343 | 33526510 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541343 | 33526511 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541343 | 33526523 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541343 | 33526525 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541343 | 33526527 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541343 | 33526529 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541343 | 33526531 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541349 | 33524809 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541349 | 33524972 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541349 | 33524973 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541349 | 33524985 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541349 | 33524986 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541349 | 33524988 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541349 | 33524989 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty | Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541349 | 33524990 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158541349 | 33524991 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158541349 | 33524992 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541351 | 33525172 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541351 | 33525256 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-26): Exception remains, missing initial lenders application.<br>Buyer Comment (2025-06-24): 06-24-2025 Appeal. Subject is JPMC HELOC 1st. HELOCs are not governed/subject to by RESPA requirements. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541351 | 33525257 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541351 | 33525259 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Reviewer Comment (2025-06-26): Exception remains, missing initial application to determine.<br>Buyer Comment (2025-06-24): 06-24-2025 Appeal. Subject is XXXX HELOC 1st. HELOCs are not governed/subject to by RESPA requirements. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541351 | 33525260 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Wisconsin Late Charge Amount Testing First Lien | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541351 | 33525261 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Wisconsin Prepayment Penalty ARM Test | Wisconsin Prepayment Penalty: Adjustable rate loan containing prepayment penalty did not provide disclosure stating that there are also loans available without prepayment penalties. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541367 | 33506133 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-16): Promissory Note is not a line of credit. Exception remains. Missing Final Loan Application from Origination.<br>Buyer Comment (2025-06-13): XX/XX/XXXX - Appeal. Final 1003 not applicable on HELOCs.-XXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541367 | 33506134 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541367 | 33506183 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541367 | 33506184 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541367 | 33506186 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541367 | 33506188 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541367 | 33506189 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541367 | 33506190 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541367 | 33506200 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541367 | 33506201 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541369 | 33525428 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158541369 | 33525429 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158541369 | 33525431 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158541372 | 33527772 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541372 | 33527862 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541372 | 33527886 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541372 | 33527891 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541372 | 33527893 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541372 | 33527894 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541379 | 33525104 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541379 | 33525105 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541379 | 33525107 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541380 | 33526575 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541380 | 33526577 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541380 | 33526580 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541380 | 33526581 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541380 | 33526593 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541380 | 33526595 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541383 | 33490867 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158541383 | 33490888 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-13): Exception remains. Initial application date not provided<br>Buyer Comment (2025-06-12): 6-12-25 APPEAL, Loan, it is a HELOC as originated and is not considered a federally related mortgage loan under the Real Estate Settlement Procedures Act (RESPA) meaning they are not subject to RESPA's requirements. Final 1003 not required. /XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158541395 | 33525745 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541395 | 33525758 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541397 | 33526731 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541397 | 33526744 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541403 | 33528342 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541403 | 33528344 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541403 | 33528494 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-16): Referenced XXXXXXX ot specify type of property, ie: SFR detached/attached/PUD, etc. Missing Appraisal from origination.<br>Buyer Comment (2025-06-13): Appeal. Found document showing property type that says subject property is 1-4 family . Please refer to page 386 XXXXX in XXXXXX- XXX |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541403 | 33528496 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541403 | 33528498 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Wisconsin Late Charge Amount Testing First Lien | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541403 | 33528499 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Wisconsin Prepayment Penalty ARM Test | Wisconsin Prepayment Penalty: Adjustable rate loan containing prepayment penalty did not provide disclosure stating that there are also loans available without prepayment penalties. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541403 | 33564459 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541406 | 33526492 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541408 | 33527478 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  | Reviewer Comment (2025-07-02): Exception remains, document referenced does not mention HELOC brochure.<br>Buyer Comment (2025-06-27): XX/XX/XXXX appeal. As per document HELOC documents were received by borrower. Please refer to page #3491 XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541408 | 33527479 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  | Reviewer Comment (2025-07-02): Exception remains, document referenced does not mention HELOC important terms disclosure.<br>Buyer Comment (2025-06-27): XX/XX/XXXX appeal. As per document HELOC documents were received by borrower. Please refer to page #3491 XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541408 | 33527481 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541408 | 33527484 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541416 | 33489364 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541416 | 33490142 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541416 | 33490144 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541416 | 33490332 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541416 | 33490336 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541416 | 33490357 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541433 | 33489968 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541433 | 33489969 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541433 | 33490010 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541433 | 33490012 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541433 | 33490077 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541433 | 33490079 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541433 | 33558370 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $217.53. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158541443 | 33528802 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  | Reviewer Comment (2025-06-10): Exception remains, missing mortgage from XX/XX/XXXX from loan file.<br>Buyer Comment (2025-06-06): The subject transaction dated XX/XX/XXXX , is covered under the original mortgage recorded on XX/XX/XXXX , due to the open-end clause allowing for additional borrowing (up to $1,000,000 as referenced on page 1/ Terms and Conditions) without a new mortgage. The "Acknowledgment of Existing Multiple Indebtedness Mortgage" (D0337) references both transactions, confirming the continuity of the financial arrangement. The transaction should be recognized as an extension of the original mortgage, preserving the priority of the lender's lien. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | D |  |  | No B |
| XXXX |  |  | 3158541443 | 33528850 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541443 | 33528897 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541443 | 33528899 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541443 | 33528901 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541443 | 33564491 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541444 | 33527111 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-13): Exception remains, subject transaction is not a HELOC.<br>Buyer Comment (2025-06-10): 6.10.25 Appeal. A Final 1003 is not required for a HELOC transaction. Please review and rescind. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541444 | 33527113 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541444 | 33527223 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541444 | 33527224 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541444 | 33527232 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541444 | 33527234 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541457 | 33526005 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541457 | 33526122 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541457 | 33526548 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (2025-06-13): Exception remains, Disbursement date not provided.<br>Buyer Comment (2025-06-11): Appeal. Found 2 documents for disbursement date - kindly refer to Doc ID XXXXX and page 353 XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541457 | 33526551 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541457 | 33534776 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541462 | 33527507 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-19): HELOC is a 1st position lien - Title required.<br>Buyer Comment (2025-06-18): loan was a HELOC - title not required |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541462 | 33527543 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541462 | 33527568 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541481 | 33527573 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541481 | 33527576 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541481 | 33527578 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541481 | 33527619 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541481 | 33527620 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541481 | 33527686 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541481 | 33527687 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541491 | 33527446 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541491 | 33527447 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-07-07): This exception is for the Flood Cert from origination not the flood zone.<br>Buyer Comment (2025-07-05): Flood Zone<br>Reviewer Comment (2025-06-17): Document provided is a loan number rather than the cert number.<br>Buyer Comment (2025-06-17): Uploaded Cert number from MSP. Please review. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541491 | 33527667 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541491 | 33527668 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541491 | 33527670 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541491 | 33527671 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $82.42. | TIL itemization did not disclose Flood Certification Fee $7, Loan Origination fee $75 as prepaid finance charges. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158541491 | 33527679 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541539 | 33527450 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541539 | 33527452 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541539 | 33527598 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541539 | 33535039 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541542 | 33527388 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541542 | 33527389 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541542 | 33527422 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541542 | 33527424 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541542 | 33527514 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541542 | 33527516 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541552 | 33528180 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541570 | 33529696 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541570 | 33529697 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | California Primary Residence Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  | Reviewer Comment (2025-06-19): Exception is not a PPP. Exception remains.<br>Buyer Comment (2025-06-17): Appeal - A Prepayment Penalty is a fee charged by the Lender if the loan is paid off before the agreed upon term ends, designed to compensate Lenders for lost income if the loan is paid off early. Where a fee to close an account is a fee to cover the costs associated with setting up an account. California allows for HELOC cancelation fees. See page 4 of the HELOC Agreement, the fee the lesser of XX% of the Credit Line or $XXX, within 3 years of the HELOC Agreement date. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541570 | 33564657 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541572 | 33490637 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541572 | 33490659 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541572 | 33490661 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158541590 | 33527971 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541590 | 33527973 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541590 | 33564713 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541592 | 33528555 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541592 | 33528563 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541592 | 33528657 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541592 | 33528658 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541592 | 33528961 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541592 | 33528962 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541592 | 33528963 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541592 | 33528965 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541604 | 33527854 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-06-17): Document provided is not a flood certificate<br>Buyer Comment (2025-06-17): XX/XX/XXXX appeal – Please see attached. Please refer to the Collateral Summary of the Boarding Data Sheet which reflected the map date, map #, flood section (not in flood area), and flood notice date of the flood cert at time of origination supporting not in flood zone. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541604 | 33528439 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541604 | 33528441 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-13): Document referenced is Broker initial application. Exception remains.<br>Buyer Comment (2025-06-11): Appeal. 1003 found in XXXX. Please refer to XXXXX XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541604 | 33528773 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541616 | 33529176 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541616 | 33529183 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541616 | 33529222 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541616 | 33529224 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541616 | 33529246 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541616 | 33537003 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Ohio Late Charge Percent and Amount Testing | Ohio Late Charge: Note late charge of $XX exceeds state maximum of 5% or $15, whichever is greater. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541619 | 33527701 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541619 | 33527702 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541619 | 33527808 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541619 | 33527809 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541619 | 33527922 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541619 | 33527923 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541619 | 33527924 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541619 | 33527926 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541621 | 33490137 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541621 | 33490140 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541621 | 33490184 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541621 | 33490201 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541621 | 33490203 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541621 | 33491301 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541621 | 33491303 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541621 | 33491307 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541621 | 33491404 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541642 | 33528940 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541642 | 33528943 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541642 | 33528972 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541646 | 33527135 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541646 | 33527138 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541646 | 33527149 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541646 | 33527150 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541646 | 33527151 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541646 | 33527303 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541646 | 33527304 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541665 | 33527546 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541665 | 33527737 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541665 | 33527740 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541665 | 33535648 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541667 | 33528350 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541667 | 33528470 | XX/XX/XXXX | Credit | Title | Lien | Title | Missing note/terms on senior lien. Subject loan is in second position. | Lien Position: 1 |  |  | Reviewer Comment (2025-07-08): Exception remains. At the time of origination there was evidence of a 1st mortgage from XXXX on the property. This is the Note needed. Anything after this loan was originated would not be available when reviewing the subject loan for approval or funding.<br>Buyer Comment (2025-07-02): Please escalate this to management. Attached note is the senior lien.<br>Reviewer Comment (2025-06-12): Exception remains, Note provided is Post origination.<br>Buyer Comment (2025-06-09): XXXXX originated both the XX/XX/XXXX & XX/XX/XXXX line of credit. The XXXX loan was placed in the first lien position as the primary mortgage, giving it priority over the XXXX line of credit. This arrangement is typical in lending, ensuring the primary mortgage is prioritized in any property sale or foreclosure.<br>Reviewer Comment (2025-06-09): Exception remains, Note provided is Post origination.<br>Buyer Comment (2025-06-05): See senior lien note attached. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541667 | 33528537 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541667 | 33528538 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541667 | 33528539 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541674 | 33529312 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | A |  |  | No B |
| XXXX |  |  | 3158541674 | 33529313 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158541674 | 33529315 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-17): Attached document is a final 1003 dated XX/XX/XXXX <br>Buyer Comment (2025-06-16): 6.16.25 Appeal. Please see attached initial loan application with a date of XX/XX/XXXX. The initial application was done via the internet and is confirmed as reflected on the final 1003 in file. Please review and rescind. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158541674 | 33529318 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | North Carolina First Lien Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  | Reviewer Comment (2025-06-23): Exception remains, The late charge limitation under N.C. Gen. Stat. § 24-10.1(c) limits the late charge to four percent (4%) of the amount of the payment past due.<br>As a result of the HELOC Agreement not having a stated P&I, we are unable to determine what 4% of the amount of the payment past due would be equivalent to. Therefore, while the HELOC Agreement contracts for a $25 late charge, depending on how high the payment is, it may or may not be permissible – thus the "unable to determine" language in the exception detail.<br>Buyer Comment (2025-06-18): Appeal – The subject transaction is for a HELOC or open-end line amount greater than the state minimum allowing for the late fee to be paid as agreed on a lender originated loan. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158541678 | 33489826 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541678 | 33489838 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541678 | 33489841 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541678 | 33489844 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541678 | 33489953 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541678 | 33489997 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541699 | 33528210 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541699 | 33528379 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541699 | 33528381 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541699 | 33528383 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541699 | 33528384 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $195.35. | Missing lender amortization schedule. and TIL Itemization disclose Loan Origination Fee of $75 Flood Determination Fee of $5.50 and Settlement or Closing Fee of $115 as prepaid finance charge. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158541699 | 33528396 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541714 | 33528609 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541714 | 33529062 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541725 | 33490685 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  | Reviewer Comment (2025-07-07): Exception remains, missing HELOC brochure from loan file.<br>Buyer Comment (2025-06-30): XX/XX/XXXX Appeal. Please see attached Heloc Disclosure(Brochure). XX<br>Reviewer Comment (2025-06-18): Exception remains, missing HELOC brochure from loan file.<br>Buyer Comment (2025-06-17): 6.17.25 Appeal. Please see attached the HELOC Disclosure for the subject loan as requested. Please review and rescind. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158541725 | 33490688 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  | Reviewer Comment (2025-06-19): Any details outside of the origination loan in review is irrelevant. The fees listed on the HELOC differ from the amount of fees listed on HUD.<br>Buyer Comment (2025-06-17): See above.<br>Buyer Comment (2025-06-17): 6.17.25 Appeal. This is a HELOC that closed on XX/XX/XXXX iao $XXX, subsequently customer requested increase in line closing on XX/XX/XXXX iao $XXX, and requested another increase in line closing on XX/XX/XXXX iao $XXX. Enclosed are the respective HELOC Agreements along with Loan Closing Summaries, and Itemizations to the TIL. Please re-review and rescind. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | A |  |  | No B |
| XXXX |  |  | 3158541726 | 33529573 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158541726 | 33529575 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158541726 | 33529576 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Illinois Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158541726 | 33529577 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty | Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  | Reviewer Comment (2025-06-23): Exception remains, The IL prepay exception was cited due to the rate exceeding 8% and the loan including a prepayment penalty. The citation for this is: 815 Ill. Comp. Stat. 205/4(2)(a): Whenever the rate of interest exceeds an annual percentage rate of 8% on any written contract, agreement or bond for deed providing for the installment purchase of residential real estate, or on any loan secured by a mortgage on residential real estate, it shall be unlawful to provide for a prepayment penalty or other charge for prepayment.<br>In reference to the question of considering the cancellation fee a prepayment penalty, we have discussed this previously and we did not find sufficient basis to clear as there is ambiguity in whether a cancellation fee could be considered a prepayment penalty under the Interest Act, particularly in instances when a cancellation would result in total indebtedness requiring to be paid in full upon cancellation. If they are able to supply legal opinion or reg support that a cancellation fee would not be a prepayment penalty under the Interest Act or documentation to support bank or other exemption from the Act, we can review further.<br>Buyer Comment (2025-06-18): Appeal - A Prepayment Penalty is a fee charged by the Lender if the loan is paid off before the agreed upon term ends, designed to compensate Lenders for lost income if the loan is paid off early. Where a fee to close an account is a fee to cover the costs associated with setting up an account. In Illinois ACT 90-0561, on HELOCs allows a cancelation fee if it does not exceed $500.00. See page 4 of the HELOC Agreement, the fee the lesser of XX% of the Credit Line or $XXX. This amount remains below the Illinois limit of $XXX allowed on a HELOC. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158541726 | 33565632 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158541739 | 33528591 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541739 | 33528593 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541739 | 33567995 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541741 | 33528429 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541741 | 33528433 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541741 | 33528462 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  | Reviewer Comment (2025-06-16): Please rereview your submitted docs as the flood zone is not X. It is AE which is designated as flood ins required.<br>Buyer Comment (2025-06-13): XX/XX/XXXX Appeal. Please see attached Disbursement Request and Authorization form and XXXX XXX Servicing screen which includes a statement on Flood Insurance including the flood map and date and that the subject is NOT in a flood zone. The servicing screen shows the Zone is X and that the mapping has not changed since XXXX. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541741 | 33528463 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541741 | 33528464 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541741 | 33528483 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541741 | 33528485 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541741 | 33669049 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. |  |  | Reviewer Comment (2025-07-08): Exception remains. Evidence property is in a Flood Zone AE provided with no mapping change since XXXX. Notice provided to customer states property is not in a flood zone contradicts the zoning.<br>Buyer Comment (2025-07-01): Please see attached Agreement to Provide Insurance stating the property was not in flood zone at the time of origination. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541745 | 33528327 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541745 | 33528329 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541745 | 33528355 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541745 | 33528356 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541745 | 33528358 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541745 | 33528375 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541745 | 33528376 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541748 | 33528921 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541748 | 33528923 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541748 | 33528939 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-18): Doc received is not a Final Title - dated XX/XX & loan is executed XX/XX. Additionally, does not have the appropriate coverage amount.<br>Buyer Comment (2025-06-16): Appeal Please see the attached document. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541756 | 33530319 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541756 | 33531667 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541756 | 33531696 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | New York Prepayment Penalty | New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of XX.XX% contracts for a prepay term of XX months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  | Reviewer Comment (2025-06-20): Exception remains, The 12 month prepayment penalty period violation is a state prepayment penalty restriction which we test for under N.Y. Gen. Oblig. Law § 5-501(3)(b). There are also prepayment penalty limitations specific to adjustable rate loans found in N.Y. Comp. Code. R. & Regs. tit. 3, §§ 82.1(a) and 82.7. <br>N.Y. Comp. Code. R. & Regs. tit. 3, §§ 82.1(a), 82.7<br> In addition to the requirements set forth in section 5-501(3)(b) of the General Obligations Law which limit prepayment penalties to the first year of a mortgage loan, no prepayment penalty may be taken for any mortgage loan made pursuant to this Part unless, according to the provisions of the note and mortgage, the interest rate for the loan shall remain fixed for a period of at least five years, the loan contract provides for a prepayment penalty and the mortgage broker, mortgage banker and/or exempt organization complies with the provisions of sections 38.2, 38.3 and 38.4 of this Title which pertain to prepayment penalties.<br>N.Y. Gen. Oblig. Law § 5-501(3)(b)<br> Notwithstanding any other provision of law, the unpaid balance of the loan or forbearance may be prepaid, in whole or in part, at any time. If prepayment is made on or after one year from the date the loan or forbearance is made, no penalty may be imposed. If prepayment is made prior to such time, no penalty may be imposed unless provision therefor is expressly made in the loan contract, provided that no penalty may be imposed if prohibited by sections six-l and six-m of the banking law. In all cases, the right of prepayment shall be stated in the instrument evidencing the loan or forbearance, provided, however, that the provisions of this subdivision shall not apply to the extent such provisions are inconsistent with any federal law or regulation.<br>The HELOC Agreement for the subject loan states that if the credit line is cancelled in the first XX months, the borrower will be charged a cancellation fee equal to 1% of the original line amount or $1,000, whichever is greater, plus an additional fee of $1,460.88 to reimburse the lender for any recording fee, documentary stamp, intangible tax, or similar fee that lender incurred in connection with the recording of the security instrument. The HELOC Agreement also states that if the Credit Line is terminated or cancelled, then the entire outstanding balance may be required to be paid to the lender.<br>Exception was set because the interest rate exceeded 6% and the cancellation fee period exceeded 12 months. Note that the exception is graded EV2 because the HELOC Agreement contains applicable law language. We recommend that client discuss with their own counsel for further analysis of NY law.<br>Buyer Comment (2025-06-18): Appeal - A Prepayment Penalty is a fee charged by the Lender if the loan is paid off before the agreed upon term ends, designed to compensate Lenders for lost income if the loan is paid off early. Where a fee to close an account is a fee to cover the costs associated with setting up an account. New York allows HELOC allows for a lender to charge a cancelation fee during the initial draw period. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541760 | 33529015 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541760 | 33529016 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541760 | 33529019 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541760 | 33529020 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541760 | 33529170 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541760 | 33529171 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541760 | 33549203 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $85.89. | TIL itemization did not include Flood Certification fee of $7.00 and Loan Original Fee of $75.00 as prepaid finance charges. |  | Reviewer Comment (2025-07-02): Exception remains, Fees disclosed on HUD are finance charges, regardless of whether they are paid by the borrower at closing or outside closing. Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the origination fee<br>Buyer Comment (2025-06-27): XX/XX/XXXX Appeal. PPFC was recalculated and yielded an fc accurate result. Borrower did not pay any finance charge as indicated on the Disbursement Request and Authoriztion in XXXX doc # XXXX. XX<br>Reviewer Comment (2025-06-17): Exeption remains, Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the origination fee<br>Buyer Comment (2025-06-16): XX/XX/XXXX Appeal: Please see XXXXXXX which verifies that the Loan Origination Fee was waived. Abstract Title Search and Appraisal are not pre-paid fees. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158541811 | 33529508 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541811 | 33529509 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541811 | 33529815 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541811 | 33529816 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541811 | 33529836 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541811 | 33529837 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541812 | 33528713 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541812 | 33528757 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541812 | 33528775 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541812 | 33528776 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541812 | 33528778 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541812 | 33528779 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541812 | 33528780 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541812 | 33528781 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541814 | 33529111 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-13): Exception remains, subject loan is not a HELOC.<br>Buyer Comment (2025-06-12): Appeal: loan is a HELOC as originated and is not considered a federal related mortgage loan under RESPA, meaning they are not subject to RESPA's requirements, final 1003 not required. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No D |
| XXXX |  |  | 3158541814 | 33529191 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 Alternate Document Used for Fees (Primary) | Missing Final HUD-1: HUD1, not signed or stamped used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2025-06-09): Exception remains, As the property is in Arizona, the HUD must be signed by settlement agent (or stamped by the title company) to be considered final. The responsibilities for Trans Union listed by the lender are typical of a settlement or closing agent, which facilitates the closing of a real estate transaction. This entity should be the one signing/stamping a Final HUD. A settlement or closing agent would not typically fund a loan or disburse funds, as that is a lender function. The requirement is not for the loan funder to sign/stamp the HUD, but for the settlement agent to sign/stamp the HUD.<br>Buyer Comment (2025-06-04): The settlement agent's stamp/signature is not applicable here. Trans Union's responsibilities included conducting the title search, providing notary services, and securing customer signatures on closing documents. Their role was strictly to facilitate the closing process, not to disburse funds. All third-party fees were paid outside of closing, with the lender retaining all fees and payoffs at consummation. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | D |  |  | No D |
| XXXX |  |  | 3158541814 | 33529192 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| XXXX |  |  | 3158541814 | 33529194 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| XXXX |  |  | 3158541814 | 33529196 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| XXXX |  |  | 3158541814 | 33529197 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| XXXX |  |  | 3158541814 | 33529198 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes D |
| XXXX |  |  | 3158541814 | 33529199 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $308.73. | Missing lender amortization schedule. Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Reviewer Comment (2025-06-24): Exception remains, without a breakdown of the lender's APR and FC calculation, we cannot be sure of the reason for the variance.<br>Buyer Comment (2025-06-19): XX/XX/XXXX Appeal. The only ppfc for this loan that borrower paid is the origination $1360 as supported on Disclosure Statement XXXX # XXXXX and HUD -1 doc # XXXXX. Re-calculated ppfc and yielded a fc accurate result. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes D |
| XXXX |  |  | 3158541814 | 33529205 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No D |
| XXXX |  |  | 3158541834 | 33528814 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541834 | 33528815 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541834 | 33528875 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541834 | 33528883 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Buyer Comment (2025-07-08): See Initial GFE signed at closing |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541835 | 33528560 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541835 | 33528683 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541835 | 33528684 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541835 | 33528686 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541835 | 33528687 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541835 | 33528689 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541855 | 33489523 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541855 | 33489525 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-06-06): Exception remains. Missing Flood Certificate.<br>Buyer Comment (2025-06-04): 6-4-2025 Appeal Please see attached Disbursement Request and Authorization form and XXXX XXX Servicing screen which includes a statement on Flood Insurance including the flood map and date and that the subject is NOT in a flood zone. The servicing screen shows the Zone is X and that the mapping has not changed since XXXX. CG |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541855 | 33489569 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541855 | 33489570 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541855 | 33489608 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541855 | 33489610 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541858 | 33529005 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541858 | 33529105 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541858 | 33529108 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541858 | 33568451 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541859 | 33529279 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541859 | 33529281 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541859 | 33529549 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541859 | 33529596 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541859 | 33529597 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541859 | 33529598 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541859 | 33529600 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Utah Prepayment Penalty Test | Utah Prepayment Penalty: Junior lien loan contains a prepayment penalty without offering the borrower the option of a loan without a prepayment penalty or a loan containing a prepayment penalty with rate/fees lower than the loan without prepay. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541869 | 33529043 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541869 | 33529049 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541869 | 33529061 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541869 | 33529063 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-11): Exception remains, missing final title policy for 1st lien transaction.<br>Buyer Comment (2025-06-08): Based on review of the attached HUD-1 and Mortgagor Statement a Title Policy was not required |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541869 | 33529089 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541869 | 33529091 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541869 | 33529093 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541869 | 33529095 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541869 | 33529096 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541874 | 33529251 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541874 | 33529253 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158541874 | 33529255 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541874 | 33530163 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $1,868.50 is underdisclosed from HUD Finance Charge of $1,988.50 in the amount of $120.00. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Provide the following: Letter of Explanation notifying borrower of the error and providing correct information, Proof of Delivery, Refund check for under-disclosed amount, and Re-open Rescission if applicable. B |  |  | Yes B |
| XXXX |  |  | 3158541877 | 33528994 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541877 | 33528995 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541877 | 33529264 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541877 | 33529266 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541877 | 33529270 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $260.72. | Til itemization did not include Settlement charges of $265 as prepaid finance charge. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158541877 | 33529277 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541877 | 33529280 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541903 | 33529028 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541903 | 33529029 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541903 | 33529084 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541903 | 33529085 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-17): Exception remains, final title policy required on first lien mortgages.<br>Buyer Comment (2025-06-16): HUD-1<br>Buyer Comment (2025-06-16): A TPOL was not required at the time of origination. The lender instead opted for a TU Title search report. Providing Mortgagor Statement and HUD-1 to further support that a TPOL was not required. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541903 | 33529145 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541903 | 33529147 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541903 | 33529151 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $207.60. | TIL Itemization did not disclose a Flood Cert of $6.75 and Settlement/Closing/Escrow Fee of $202.00 as prepaid finance charge. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158541918 | 33529640 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541918 | 33529641 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541918 | 33529643 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541918 | 33529645 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Provided XX/XX/XXXX . Closing XX/XX/XXXX . |  | Reviewer Comment (2025-06-19): This exception is if the Notice of Flood disclosure was provided prior to closing: Closing date = XX/XX/XXXX Notice date = XX/XX/XXXX <br>Buyer Comment (2025-06-18): 6.18.25 Appeal, The loan in question is a refinancing of the customer's main property dated XX/XX/XXXX which they have owned since 1985-D0007. According to the attached flood insurance doc, the borrower had flood insurance before this refinancing, and was aware of the requirement. Please review and rescind<br>Reviewer Comment (2025-06-13): Exception remains, Disclosure signed at closing.<br>Buyer Comment (2025-06-10): 6.10.25 Appeal attached AMC page 463 of 2815 XXXXX Flood cert dated XX/XX/XXXX and AMC page 465 of 2815 D1247 certificate of proof of application for flood insurance which the borrower applied for on XX/XX/XXXX Note date XX/XX/XXXX kindly review recind.gs. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541930 | 33529071 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541930 | 33529074 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541930 | 33529398 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541930 | 33529400 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541930 | 33529401 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541930 | 33529403 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541930 | 33529455 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541930 | 33529456 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541939 | 33490960 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-16): Exception remains, final title required for 1st lien mortgages.<br>Buyer Comment (2025-06-13): Loan was a HELOC. The use of title insurance is rare for HELOC's. Title not required |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - UTD | C |  |  | No B |
| XXXX |  |  | 3158541939 | 33490962 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158541939 | 33491012 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158541939 | 33491014 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158541939 | 33518783 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158541941 | 33528989 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541941 | 33528990 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541941 | 33529078 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541941 | 33529404 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541941 | 33529405 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541941 | 33529406 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541941 | 33529408 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541956 | 33529410 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541956 | 33529412 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541956 | 33529414 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541956 | 33529415 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541992 | 33529667 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541992 | 33529669 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541992 | 33529732 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541992 | 33529740 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541992 | 33529744 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $242.91. | TIL itemization does not include Settlement Fee XX/XX/XXXX 40.00 as a prepaid finance charge. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158541999 | 33492119 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541999 | 33492121 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541999 | 33492151 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541999 | 33492397 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158542000 | 33529919 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542000 | 33529922 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Illinois Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542000 | 33529923 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty | Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of X.XX%. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542000 | 33535959 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542000 | 33568591 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542000 | 33569438 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542019 | 33529884 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542019 | 33529977 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542019 | 33529979 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542024 | 33489882 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542024 | 33489947 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542024 | 33490048 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542024 | 33490049 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542024 | 33490051 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542036 | 33529446 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542036 | 33529699 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542036 | 33529985 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542036 | 33529987 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542036 | 33536277 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542038 | 33529752 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542038 | 33529754 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542038 | 33529755 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Reviewer Comment (2025-06-10): Exception remains, unable to determine specific occupancy at origination.<br>Buyer Comment (2025-06-06): Per the recorded mortgage ((XXXXX)) the borrowers address is XXXX XXXX and the subject property address is XXXX XXXX. This was not the customer's primary address therefore not subject to rescission. |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158542038 | 33557448 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542038 | 33619975 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542042 | 33489485 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542042 | 33489487 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542042 | 33489889 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542042 | 33489891 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542042 | 33489893 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Louisiana Late Charge Percent Testing | Louisiana Late Charge: Note late charge percent of X.XX% exceeds the state maximum of 5%. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542042 | 33489894 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542042 | 33489904 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542042 | 33489905 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542050 | 33529891 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542050 | 33529894 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542050 | 33530192 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542050 | 33530194 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542050 | 33530195 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542050 | 33530196 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542050 | 33530197 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542069 | 33529605 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158542069 | 33529606 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-06-13): Missing Flood Cert from origination.<br>Buyer Comment (2025-06-13): XX/XX/XXXX - Please refer to Loan Exception ID XXXX - XXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158542069 | 33529825 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158542069 | 33529827 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158542069 | 33529841 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158542069 | 33529842 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-13): Please provide Appraisal from origination.<br>Buyer Comment (2025-06-13): XX/XX/XXXX - Appeal. Found document showing property type that says subject property is 1-4 family . Please refer to Page 2249 DXXXXX in XXXXXX - XXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158542069 | 33529844 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158542072 | 33529773 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158542072 | 33529774 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158542072 | 33529792 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158542072 | 33529793 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158542072 | 33529852 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158542072 | 33529853 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158542077 | 33493506 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542077 | 33493507 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542077 | 33493509 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542082 | 33529872 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542082 | 33529887 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542082 | 33529888 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542082 | 33529953 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542082 | 33529954 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542082 | 33529955 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542082 | 33529958 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158542082 | 33529959 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542085 | 33490132 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158542085 | 33490134 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158542085 | 33490145 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-26): Documentation in file is inconsistent. When in doubt tape data is used, which is a 1st lien. Exception remains. Final Title policy required for 1st lien transactions.<br>Buyer Comment (2025-06-25): 06-25-2025 Appeal3. Please see XXXX Notice of Insuarnce Requirements document which shows loan was originated as a Second Lien shown just above the signature line. XX<br>Reviewer Comment (2025-06-20): Tape data and post closing property report (XXXX) indicate this was a 1st lien position in XXXX. There is no conclusive evidence stating otherwise as that information is taken from the title which is currently missing. Exception remains until further evidence is provided.<br>Buyer Comment (2025-06-19): 06-19-2025 Appeal2. Thanks for clarifying missing second page. However, subject is a HELOC in 2nd lien position and title was not required. XX<br>Reviewer Comment (2025-06-19): The attached doc is incomplete - missing 2nd page w/mortgage info.<br>Buyer Comment (2025-06-18): 06-18-2025 Appeal. Please find title work attached. Subject is XXXX HELOC 2nd Lien. Full title work is not required. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158542085 | 33519469 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158542111 | 33529450 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542111 | 33529452 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-07-01): Exception remains. Flood Mapping Data is not a Flood Cert.<br>Buyer Comment (2025-07-01): pls see attached.<br>Buyer Comment (2025-07-01): Please see attached. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542111 | 33529547 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542111 | 33529548 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542111 | 33529557 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542111 | 33529558 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542122 | 33491850 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542122 | 33492212 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Buyer Comment (2025-07-07): Please escalate to manager<br>Reviewer Comment (2025-07-07): Exception remains. Document provided is property report, not a title policy.<br>Buyer Comment (2025-07-03): Please escalate, report is complete<br>Reviewer Comment (2025-07-02): The attached doc is missing the mortgage info section.<br>Buyer Comment (2025-07-01): Appeal – See Legal & Vesting Report as required at origination. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542122 | 33492214 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542122 | 33492342 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542122 | 33492344 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-10): Exception remains, unable to determine specific property type at origination.<br>Buyer Comment (2025-06-06): 6.5.25 Appeal. Upon reviewing the loan file it is a refinance of a HELOC having closed on XX/XX/XXXX. Please see attached highlighted section of the Boarding Data Sheet from origination showing the property type. Please review and rescind. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542122 | 33492346 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542122 | 33492347 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158542122 | 33492348 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158542122 | 33492349 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542122 | 33492350 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158542128 | 33530138 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542128 | 33530140 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542128 | 33530201 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542128 | 33530202 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542128 | 33530204 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542128 | 33530209 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542128 | 33530210 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542129 | 33498059 | XX/XX/XXXX | Credit | Missing Document | General | Missing Document | Incomplete Document: Note - Subject Lien is incomplete |  | Heloc Agreement is cutoff and missing pages: missing date, section 4 is cutoff/partially missing, unable to determine if section 7 was provided in its entirety or was cutoff and missing sections 5, 8, 11 in their entirety. |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No B |
| XXXX |  |  | 3158542129 | 33504042 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  | Reviewer Comment (2025-06-09): Exception remains HELOC agreement provided.<br>Buyer Comment (2025-06-09): 6.9.25 Appeal. Please see attached HELOC Disclosure provided to the borrower as requested. XX<br>Reviewer Comment (2025-06-04): Exception remains, missing HELOC brochure disclosure from loan file.<br>Buyer Comment (2025-06-02): Closing costs on page 10 of the HELOC agreement match closing costs on the HUD1. The only variance between the documents are payoffs in the 1300s. Note: Unsecured payoffs, like personal loans or credit card debts, are typically not classified as closing costs under the RESPA. Closing costs are specifically related to expenses directly associated with the real estate transaction. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542129 | 33504043 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  | Reviewer Comment (2025-06-09): Exception remains HELOC agreement provided.<br>Buyer Comment (2025-06-09): 6.9.25 Appeal. Please see attached HELOC Disclosure provided to the borrower as requested. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542129 | 33504055 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542129 | 33610709 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542130 | 33529787 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542130 | 33529789 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542130 | 33529866 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542130 | 33529867 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542130 | 33529875 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  | Reviewer Comment (2025-06-12): Flood zone required for exception<br>Buyer Comment (2025-06-12): XX/XX/XXXX Appeal: Please see XXXXXXX The Collateral Summary sections states that the subject property was not in a Flood Zone effective XX/XX/XXXX . XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542130 | 33529876 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542130 | 33529877 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-23): We cannot rely on a post closing inspection report as factual evidence. HUD indicates an Appraisal fee - please provide from origination.<br>Buyer Comment (2025-06-23): Please review XXXXX Exterior appraisal showing 1 unit Detached<br>Reviewer Comment (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br>Buyer Comment (2025-06-12): XX/XX/XXXX Appeal: Please refer to XXXXXXX The description of the dwelling on the Hazard Policy is a Single Family framed Residence. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542138 | 33529929 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542138 | 33529966 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542138 | 33529968 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542138 | 33529970 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542138 | 33529983 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542138 | 33529988 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542150 | 33489879 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542150 | 33489906 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542150 | 33489908 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542150 | 33493484 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542150 | 33493486 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542150 | 33493488 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542150 | 33493489 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542150 | 33493490 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542181 | 33529710 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542181 | 33529908 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542181 | 33529909 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542181 | 33529911 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542181 | 33529936 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542183 | 33529611 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542183 | 33529612 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542183 | 33529647 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542183 | 33529648 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542183 | 33529676 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  | Reviewer Comment (2025-06-17): Document provided is post dated<br>Buyer Comment (2025-06-16): XX/XX/XXXX Appeal. Please see attached Disbursement Request and Authorization form and XXXX XXX Servicing screen which includes a statement on Flood Insurance including the flood map and date and that the subject is NOT in a flood zone. The servicing screen shows the Zone is X and that the mapping has not changed since 2009. CG<br>Buyer Comment (2025-06-16): Please disregard the previous comment for the appeal<br>Buyer Comment (2025-06-16): XX/XX/XXXX Appeal: Please refer to the attached document reflecting the appraised value at the time of the transaction. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542183 | 33529677 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542183 | 33529679 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542183 | 33529681 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542183 | 33529682 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542183 | 33529683 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542183 | 33529684 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542202 | 33529941 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158542202 | 33529944 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158542202 | 33529992 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158542202 | 33529995 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158542202 | 33529997 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158542202 | 33530006 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158542202 | 33530011 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158542202 | 33530012 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158542220 | 33529924 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542220 | 33530015 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542220 | 33530016 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542220 | 33530017 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br>Buyer Comment (2025-06-12): XX/XX/XXXX - Appeal: Refer to D0382, page 291 for property type which reflects a single family detached home. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542222 | 33527983 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542222 | 33527984 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542222 | 33528088 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542222 | 33528092 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542222 | 33528794 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542222 | 33528796 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542222 | 33528798 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542222 | 33528799 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX , prior to three (3) business days from transaction date of XX/XX/XXXX . |  |  | Buyer Comment (2025-07-09): XX/XX/XXXX appeal: The transaction date is actually XX/XX/XXXX per the HUD, TIL, and Notice of Right to Cancel; whereas the disbursement date is XX/XX/XXXX er the Note interest accrual date and Boarding Data Sheet). XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158542222 | 33528800 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158542237 | 33527322 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-13): Exception remains, subject loan is not a HELOC.<br>Buyer Comment (2025-06-13): XX/XX/XXXX - Appeal. Final 1003 not applicable on HELOCs.-XXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542237 | 33527355 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542237 | 33527356 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542237 | 33527398 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542237 | 33527400 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542237 | 33527416 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542256 | 33528217 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542256 | 33528265 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542256 | 33528405 | XX/XX/XXXX | Credit | Title | Lien | Title | Missing evidence of lien position on Other Financing. | Lien Position: 2 |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542256 | 33528406 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542256 | 33528407 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542256 | 33528513 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542256 | 33528514 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542256 | 33528515 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br>Buyer Comment (2025-06-11): XX/XX/XXXX 5-Appeal: Refer to D0338, page 395 for property type which reflects a single family detached home. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542256 | 33528517 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542256 | 33528518 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542257 | 33528154 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542257 | 33528156 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542257 | 33528536 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542257 | 33529051 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542257 | 33529054 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542257 | 33529057 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $242.52. | TIL itemization does not included Settlement fee XX/XX/XXXX 40.00 as a prepaid finance charge. |  | Reviewer Comment (2025-07-08): Exception remains. Settlement fee of $240 was POC and a fee paid to title for the closing and included in the amount financed. Only if evidence the fee is paid by the lender would this be excluded.<br>Buyer Comment (2025-07-01): XX/XX/XXXX : Appeal. Re-calculated ppfc and yielded an fc accurate result. According to HUD-1 and Disbursement Request Auth doc #XXXXX, the ppfc were flood cert $7 and Loan Origination $225. The finance charge $170,796.60 is accurate. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158542259 | 33529206 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-25): Exception remains, missing final application.<br>Buyer Comment (2025-06-24): Please see document XXXXX and D0561, application DATE shows.<br>Reviewer Comment (2025-06-17): Loan app dates are derived from credit applications that include borrower financial information, not fax dates.<br>Buyer Comment (2025-06-16): 6.16.25 Appeal attached initial loan application date XX/XX/XXXX , Note date XX/XX/XXXX ,kindly review rescind.XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542259 | 33529241 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542259 | 33529421 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542259 | 33529424 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (2025-06-13): Exception remains. Application date not identified on provided documentation.<br>Buyer Comment (2025-06-10): 6.10.25 Appeal attached initial loan application date XX/XX/XXXX , Note date XX/XX/XXXX ,kindly review rescind.XX. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542259 | 33536797 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542264 | 33528003 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542264 | 33528004 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542264 | 33528298 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542264 | 33528300 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542264 | 33528302 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542264 | 33528303 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542264 | 33528304 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542264 | 33528305 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542264 | 33528317 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542264 | 33528318 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542269 | 33490820 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158542269 | 33490836 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158542269 | 33490838 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158542269 | 33491458 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158542269 | 33491461 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158542269 | 33491463 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158542269 | 33491465 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158542269 | 33491467 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158542269 | 33491468 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $65.21. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Reviewer Comment (2025-06-18): Exception remains.<br>Buyer Comment (2025-06-17): Please disregard the appeal --XX<br>Buyer Comment (2025-06-17): Appeal, Total Payments Calculation: Monthly Payment: $XXX, Number of Payments: XXX, Total Payments: $XXX \* XXX = $XXX<br> Amount Financed: $XX,XXX.XX Calculated Finance Charge: $XXX- $XX,XXX.XX = $XXX. The disclosed finance charge in the (DXXXXX) is $XXX, which matches the calculated finance charge based on the total payments and amount financed. Therefore, there is no discrepancy in the finance charge based on (DXXXX). --XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158542272 | 33528594 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542272 | 33529473 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  | Reviewer Comment (2025-06-23): Loan date = XX/XX/XXXX Notice date = XX/XX/XXXX Notice not provided prior to closing.<br>Buyer Comment (2025-06-22): disclosure<br>Buyer Comment (2025-06-22): XX/XX/XXXX appeal: Attached please find the special flood hazard notice provided to the borrower prior to closing. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542272 | 33529478 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-06-16): Exception remains, final title required for 1st lien mortgages.<br>Buyer Comment (2025-06-13): Subject loan was a HELOC. The use of title insurance is rare for HELOC's. Title not required |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542289 | 33489858 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542289 | 33489861 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542289 | 33490592 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542289 | 33490593 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542289 | 33490595 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542289 | 33490626 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542289 | 33490628 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542308 | 33490055 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542308 | 33490058 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (2025-06-13): Exception remains, subject loan is not a HELOC.<br>Buyer Comment (2025-06-03): Appeal - A Good Faith Estimate (GFE) is not required for Home Equity Lines of Credit (HELOCs). HELOCs were exempt from the requirements of RESPA (Real Estate Settlement Procedures Act) and thus do not require a GFE. Instead, HELOCs are subject to Regulation Z (Truth in Lending). |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542308 | 33490093 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-04): No action<br>Buyer Comment (2025-06-04): Disregard - XXXX – XXXX XXXX, Closed End - 1st Lien, not exempt<br>Buyer Comment (2025-06-04): Appeal – Boarding Data Sheet under Transaction Summary for Product Description: XXXXX. See the Affidavit of Borrower(s) and Mortgagor(s) # 2 Borrower has received the notices and information Borrower is entitled to receive under the law, including, without limitation, the Truth-in-Lending Act, the Equal Credit Opportunity Act and the Real Estate Settlement Procedures Act. See also the Transfer of Servicing Disclosure Statement which reads since you are applying for a mortgage loan covered by the RESPA (RESPA) (12 U.S.C. section 2601 et seq.). While the Loan is a First Lien Loan, it is an XXXXX Loan as originated and available based on the limitations and governance of ECOA and RESPA. Final 1003 not required. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542308 | 33492189 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542308 | 33492191 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542308 | 33492193 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542308 | 33492194 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542308 | 33492195 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542308 | 33492196 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542321 | 33490781 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542323 | 33528666 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542323 | 33528693 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542323 | 33528694 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542323 | 33528739 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br>Buyer Comment (2025-06-09): XX/XX/XXXX - Appeal: Refer to DXXXXX, page 482 for property type which reflects a single family detached home. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542323 | 33528741 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542323 | 33528742 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542323 | 33536884 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542340 | 33529030 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-16): The reviewed loan - 1st lien - Promissory Note is not a line of credit. Exception remains. Missing Final Loan Application from Origination.<br>Buyer Comment (2025-06-13): XX/XX/XXXX Appeal: loan is a HELOC as originated and is not considered a federal related mortgage loan under RESPA, meaning they are not subject to RESPA's requirements, final 1003 not required. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542340 | 33529031 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542340 | 33529213 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542340 | 33529216 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX,XXX.XX is underdisclosed from calculated Finance Charge of $XXX,XXX.XX in the amount of $167.81. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Reviewer Comment (2025-06-24): Exception remains, However, without a breakdown of the lender's APR and FC calculation, we cannot be sure of the reason for the variance.<br>Buyer Comment (2025-06-19): XX/XX/XXXX Appeal. Itemization of finance charge are itemized on Disclosure Statement in XXXX doc #XXXX. Re-calculated ppfc and yielded fc accurate result. The ppfc used were Broke fee $2567, Flood cert $8, Discount fee $2528, origination fee $150, Closing fee $245, Courier fee $15, Courier fee $50 =$5568. The APR = X.XXXX%, Finance charge $XXX, Amount financed $XXX. XX<br>Reviewer Comment (2025-06-16): Exception remains, missing itemization of amount financed to determine.<br>Buyer Comment (2025-06-13): XX/XX/XXXX Appeal. Re-calculated ppfc and yielded a $5 underdisclosed amount, which is within the $35 threshold tolerance for refinances. The ppfc used were Broke fee $2567, Flood cert $8, Discount fee $2528, origination fee $150, recording fee $5, <br> Closing fee $245, Courier fee $15, Courier fee $50 =$5568. The APR = X.XXXX%, Finance charge $XXX, Amount financed $XXX. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158542344 | 33527586 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542344 | 33527707 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542344 | 33527708 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542344 | 33527817 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542344 | 33527818 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542344 | 33527821 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542344 | 33527878 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542379 | 33528623 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542379 | 33528769 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542379 | 33528771 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542379 | 33529035 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542379 | 33529037 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542379 | 33529040 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158542382 | 33530322 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542382 | 33531673 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542382 | 33531675 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542382 | 33531727 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542382 | 33531728 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542382 | 33531730 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542387 | 33491144 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542387 | 33491388 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542387 | 33491390 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542387 | 33493335 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542387 | 33493337 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542387 | 33493339 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542387 | 33493340 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542395 | 33527948 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542395 | 33528165 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542395 | 33528185 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542395 | 33528186 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542395 | 33528188 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542395 | 33528189 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542395 | 33528190 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542395 | 33528191 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542401 | 33529159 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542401 | 33529166 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Notice of Special Flood Hazard Disclosure is missing |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542401 | 33529174 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542410 | 33492596 | XX/XX/XXXX | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Incorrect Appraisal Form type: Appraisal Form 2055 (Exterior Only) used for incorrect Subject property type. | Valuation Type: Drive By / Valuation Report Date: XX/XX/XXXX Condo (Low Rise) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542410 | 33492602 | XX/XX/XXXX | Compliance | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | (Doc Error) Loan was portrayed as first lien but found to be a second lien |  |  |  | Reviewer Comment (2025-06-12): Exception remains, Loan was portrayed as first lien at origination.<br>Buyer Comment (2025-06-08): 06-08-2025 Appeal. Subject was originated as a 2nd Lien. T he existing first lien was was subsequently paid off and subject moved to 1st. Our servicing system now properly reads the 1st lien position and may have reflected that in the deal record set up. XX<br>Reviewer Comment (2025-06-05): Exception remains, Loan was portrayed as first lien at origination.<br>Buyer Comment (2025-06-03): 06-03-2025 Appeal. Please find satisfaction of senior lien attached dated XX/XX/XXXX. Subject is now in 1st lien position. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542410 | 33492632 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542442 | 33530086 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - UTD | C |  |  | No B |
| XXXX |  |  | 3158542442 | 33530160 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-12): Exception remains, Unable to determine specific property type at origination.<br>Buyer Comment (2025-06-11): XX/XX/XXXX - Appeal: Refer to XXXXX, page 162 for property type of single family ranch. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158542442 | 33569145 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158542477 | 33529831 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542477 | 33529862 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542477 | 33530133 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542477 | 33530134 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2025-06-18): Referenced doc is from XXXX & does not specify type of property, ie: detached/attached/PUD, etc. Missing Appraisal from XXXX origination.<br>Buyer Comment (2025-06-16): XX/XX/XXXX Appeal. Please see doc # XXXX in XXXX supporting property type is single family residence. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542477 | 33530136 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542484 | 33528142 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542484 | 33528143 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542484 | 33528418 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542486 | 33529543 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542486 | 33529583 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542486 | 33529619 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542486 | 33529620 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542492 | 33528528 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542492 | 33528533 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542492 | 33528557 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542492 | 33528577 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542492 | 33528638 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542492 | 33528640 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542492 | 33528642 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542492 | 33528644 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158542492 | 33528645 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158542497 | 33530334 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542497 | 33530430 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542497 | 33530432 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542512 | 33492177 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2025-06-04): Exception remains, final 1003 belongs to another transaction.<br>Buyer Comment (2025-06-02): Appeal - Please see attached document. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542512 | 33492200 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-06-04): Exception remains, flood determination provided belongs to a different property.<br>Buyer Comment (2025-06-02): Appeal - Please see attached Flood Cert. XX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542512 | 33492211 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542512 | 33492727 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  | Reviewer Comment (2025-06-04): Exception remains, Flood determination provided belongs to another property.<br>Buyer Comment (2025-06-02): Appeal - Please see attached Flood Cert. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542513 | 33528550 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542513 | 33528603 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542513 | 33569423 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542526 | 33529777 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Flood Certificate Error: Certificate Number was not provided. |  |  |  | Reviewer Comment (2025-06-13): Exception remains, Cert number not disclosed.<br>Buyer Comment (2025-06-12): cert<br>Buyer Comment (2025-06-12): 6/12-Appeal : Please see Origination flood cert which confirms the property is in flood zone "X" which is not in a flood zone. XX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542526 | 33529790 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542526 | 33530103 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542526 | 33530108 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158542532 | 33529946 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542532 | 33529952 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542532 | 33530008 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542532 | 33530032 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542532 | 33530034 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542532 | 33530275 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XX,XXX.XX is underdisclosed from calculated Finance Charge of $XX,XXX.XX in the amount of $245.58. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158542534 | 33531663 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542534 | 33538221 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542552 | 33529248 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542552 | 33529256 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542552 | 33529258 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Buyer Comment (2025-07-10): Appeal: Legal & Vesting Report/title search provided, escalate to XXXX<br>Reviewer Comment (2025-06-11): Exception remains, final title required on first lien transactions.<br>Buyer Comment (2025-06-07): A Title Policy was not required on the subject loan. Please see the supporting documentation - Affidavit of Borrower & Mortgagor, HUD-1 showing a charge for TU Title Search, and copy of the title search. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542552 | 33529324 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542552 | 33529326 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542552 | 33529328 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542552 | 33529329 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |

---

![](ex99-01.jpg)

**Data Compare**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Alternate Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** |
| XXXX |  |  | 3158536802 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158536802 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158536802 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158536807 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158536807 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158536807 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158536807 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158536839 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158536839 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158536839 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158536839 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158536844 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158536844 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158536844 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158536871 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158536871 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158536871 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158536871 | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| XXXX |  |  | 3158536871 | Margin |  | XX | Verified |
| XXXX |  |  | 3158536871 | Interest Rate Change Frequency |  | 6 | Verified |
| XXXX |  |  | 3158536871 | Interest Rate Initial Cap |  | 3 | Verified |
| XXXX |  |  | 3158536871 | Interest Rate Initial Floor |  | 0 | Verified |
| XXXX |  |  | 3158536890 | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| XXXX |  |  | 3158536890 | Margin |  | XX | Verified |
| XXXX |  |  | 3158536890 | Interest Rate Change Frequency |  | 6 | Verified |
| XXXX |  |  | 3158536890 | Interest Rate Initial Cap |  | 3 | Verified |
| XXXX |  |  | 3158536890 | Interest Rate Initial Floor |  | 0 | Verified |
| XXXX |  |  | 3158536891 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158536891 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158536891 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158536891 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158536891 | Property Type | Single Family Detached | Single Family Attached | Verified |
| XXXX |  |  | 3158536920 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158536920 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158536920 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158536921 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158536921 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158536921 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158536944 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158536944 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158536944 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158536951 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158536951 | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| XXXX |  |  | 3158536951 | Margin |  | XX | Verified |
| XXXX |  |  | 3158536951 | Interest Rate Change Frequency |  | 6 | Verified |
| XXXX |  |  | 3158536951 | Interest Rate Initial Cap |  | 3 | Verified |
| XXXX |  |  | 3158536951 | Interest Rate Initial Floor |  | 0 | Verified |
| XXXX |  |  | 3158536970 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158536970 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158536970 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158536970 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158536973 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158536973 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158536973 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158536973 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158536974 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158536974 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158536974 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158536974 | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| XXXX |  |  | 3158536974 | Margin |  | XX | Verified |
| XXXX |  |  | 3158536974 | Interest Rate Change Frequency |  | 6 | Verified |
| XXXX |  |  | 3158536974 | Interest Rate Initial Cap |  | 3 | Verified |
| XXXX |  |  | 3158536974 | Interest Rate Initial Floor |  | 0 | Verified |
| XXXX |  |  | 3158536998 | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| XXXX |  |  | 3158536998 | Margin |  | XX | Verified |
| XXXX |  |  | 3158536998 | Interest Rate Change Frequency |  | 6 | Verified |
| XXXX |  |  | 3158536998 | Interest Rate Initial Cap |  | 2 | Verified |
| XXXX |  |  | 3158536998 | Interest Rate Initial Floor |  | 0 | Verified |
| XXXX |  |  | 3158537006 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537006 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537020 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537020 | Interest Only | 0 |  | Verified |
| XXXX |  |  | 3158537020 | Index Type |  | MTA - 12 Month | Verified |
| XXXX |  |  | 3158537020 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537020 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537020 | Interest Rate Initial Cap |  | 6.95 | Verified |
| XXXX |  |  | 3158537020 | Interest Rate Initial Floor |  | 2.4 | Verified |
| XXXX |  |  | 3158537027 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537027 | Interest Only | 0 |  | Verified |
| XXXX |  |  | 3158537027 | Index Type |  | MTA - 12 Month | Verified |
| XXXX |  |  | 3158537027 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537027 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537027 | Interest Rate Initial Cap |  | 7.88 | Verified |
| XXXX |  |  | 3158537037 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537037 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537037 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537054 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537054 | Interest Only | 0 |  | Verified |
| XXXX |  |  | 3158537054 | Index Type |  | MTA - 12 Month | Verified |
| XXXX |  |  | 3158537054 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537054 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537054 | Interest Rate Initial Cap |  | 9 | Verified |
| XXXX |  |  | 3158537054 | Interest Rate Initial Floor |  | 0.8 | Verified |
| XXXX |  |  | 3158537067 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537067 | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| XXXX |  |  | 3158537067 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537067 | Interest Rate Change Frequency |  | 6 | Verified |
| XXXX |  |  | 3158537067 | Interest Rate Initial Cap |  | 2 | Verified |
| XXXX |  |  | 3158537067 | Interest Rate Initial Floor |  | 0 | Verified |
| XXXX |  |  | 3158537071 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537071 | Interest Only | 0 |  | Verified |
| XXXX |  |  | 3158537071 | Index Type |  | MTA - 12 Month | Verified |
| XXXX |  |  | 3158537071 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537071 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537071 | Interest Rate Initial Cap |  | 6.45 | Verified |
| XXXX |  |  | 3158537071 | Interest Rate Initial Floor |  | 2.9 | Verified |
| XXXX |  |  | 3158537079 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537079 | Interest Only | 0 |  | Verified |
| XXXX |  |  | 3158537079 | Index Type |  | MTA - 12 Month | Verified |
| XXXX |  |  | 3158537079 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537079 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537079 | Interest Rate Initial Cap |  | 8 | Verified |
| XXXX |  |  | 3158537086 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537086 | Property Type | Single Family Detached | PUD | Verified |
| XXXX |  |  | 3158537086 | Interest Only | 0 |  | Verified |
| XXXX |  |  | 3158537086 | Appraised Value | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537086 | Index Type |  | MTA - 12 Month | Verified |
| XXXX |  |  | 3158537086 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537086 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537086 | Interest Rate Initial Cap |  | 6.2 | Verified |
| XXXX |  |  | 3158537086 | Interest Rate Initial Floor |  | 3.15 | Verified |
| XXXX |  |  | 3158537091 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537091 | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| XXXX |  |  | 3158537091 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537091 | Interest Rate Change Frequency |  | 6 | Verified |
| XXXX |  |  | 3158537091 | Refi Purpose | Cash-out | Rate/Term | Verified |
| XXXX |  |  | 3158537091 | Interest Rate Initial Cap |  | 1 | Verified |
| XXXX |  |  | 3158537091 | Interest Rate Initial Floor |  | 0 | Verified |
| XXXX |  |  | 3158537112 | Interest Only | 0 |  | Verified |
| XXXX |  |  | 3158537112 | Index Type |  | MTA - 12 Month | Verified |
| XXXX |  |  | 3158537112 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537112 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537112 | Interest Rate Initial Cap |  | 8.8 | Verified |
| XXXX |  |  | 3158537113 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537113 | Property Type | Single Family Detached | 2 Family | Verified |
| XXXX |  |  | 3158537113 | Interest Only | 0 |  | Verified |
| XXXX |  |  | 3158537113 | Index Type |  | MTA - 12 Month | Verified |
| XXXX |  |  | 3158537113 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537113 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537113 | Interest Rate Initial Cap |  | 8.7 | Verified |
| XXXX |  |  | 3158537124 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537124 | Appraised Value | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537124 | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| XXXX |  |  | 3158537124 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537124 | Interest Rate Change Frequency |  | 6 | Verified |
| XXXX |  |  | 3158537124 | Interest Rate Initial Cap |  | 1.5 | Verified |
| XXXX |  |  | 3158537124 | Interest Rate Initial Floor |  | 0 | Verified |
| XXXX |  |  | 3158537140 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537144 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537144 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537144 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537144 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537184 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537184 | Interest Only | 1 | 0 | Verified |
| XXXX |  |  | 3158537199 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537199 | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| XXXX |  |  | 3158537199 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537199 | Interest Rate Change Frequency |  | 6 | Verified |
| XXXX |  |  | 3158537199 | Interest Rate Initial Cap |  | 2 | Verified |
| XXXX |  |  | 3158537199 | Interest Rate Initial Floor |  | 0 | Verified |
| XXXX |  |  | 3158537203 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537203 | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| XXXX |  |  | 3158537203 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537203 | Interest Rate Change Frequency |  | 6 | Verified |
| XXXX |  |  | 3158537203 | Interest Rate Initial Cap |  | 2 | Verified |
| XXXX |  |  | 3158537203 | Interest Rate Initial Floor |  | 0 | Verified |
| XXXX |  |  | 3158537216 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537216 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537216 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537217 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537217 | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| XXXX |  |  | 3158537217 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537217 | Interest Rate Change Frequency |  | 6 | Verified |
| XXXX |  |  | 3158537217 | Interest Rate Initial Cap |  | 3 | Verified |
| XXXX |  |  | 3158537217 | Interest Rate Initial Floor |  | 0 | Verified |
| XXXX |  |  | 3158537238 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158537238 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158537238 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158537238 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537238 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537238 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537238 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537238 | Lien Position | 1 | 2 | Verified |
| XXXX |  |  | 3158537238 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537238 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158537238 | Refi Purpose | Rate/Term | Cash-out - Other | Verified |
| XXXX |  |  | 3158537238 | Original LTV | 31.7 | 24.44444 | Verified |
| XXXX |  |  | 3158537250 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537250 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537250 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537250 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537250 | Property Type | Single Family Detached | Single Family Attached | Verified |
| XXXX |  |  | 3158537282 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537282 | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| XXXX |  |  | 3158537282 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537282 | Interest Rate Change Frequency |  | 6 | Verified |
| XXXX |  |  | 3158537282 | Interest Rate Initial Cap |  | 2 | Verified |
| XXXX |  |  | 3158537282 | Interest Rate Initial Floor |  | 0 | Verified |
| XXXX |  |  | 3158537290 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537290 | Property Type | Single Family Detached | Single Family Attached | Verified |
| XXXX |  |  | 3158537290 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537290 | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| XXXX |  |  | 3158537290 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537290 | Interest Rate Change Frequency |  | 12 | Verified |
| XXXX |  |  | 3158537290 | Interest Rate Initial Cap |  | 2 | Verified |
| XXXX |  |  | 3158537290 | Interest Rate Initial Floor |  | 2 | Verified |
| XXXX |  |  | 3158537328 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537328 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537328 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537328 | Index Type |  | US Treasury - 1 Year CMT (Weekly) | Verified |
| XXXX |  |  | 3158537328 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537328 | Interest Rate Change Frequency |  | 12 | Verified |
| XXXX |  |  | 3158537328 | Interest Rate Initial Cap |  | 5 | Verified |
| XXXX |  |  | 3158537328 | Interest Rate Initial Floor |  | 5 | Verified |
| XXXX |  |  | 3158537328 | Original LTV | 99.6 | 97.41935 | Verified |
| XXXX |  |  | 3158537339 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537339 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537339 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537339 | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified |
| XXXX |  |  | 3158537362 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537386 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537386 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537386 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537394 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537394 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537394 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537394 | Original LTV | 73.3 | 75 | Verified |
| XXXX |  |  | 3158537397 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537397 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537397 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537397 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537397 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537397 | Original LTV | 100 | 87.01299 | Verified |
| XXXX |  |  | 3158537411 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537411 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537411 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537411 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158537429 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158537429 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537429 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537429 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537429 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537429 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158537429 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537429 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537429 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537429 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537429 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158537429 | Interest Rate Initial Cap |  | 13.26 | Verified |
| XXXX |  |  | 3158537429 | Interest Rate Initial Floor |  | 7.74 | Verified |
| XXXX |  |  | 3158537451 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537451 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537451 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537451 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537451 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537451 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158537451 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537452 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158537452 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537452 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537452 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537452 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537452 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537452 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537453 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537453 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537453 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537453 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537453 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537453 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537453 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537463 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158537463 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537463 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537463 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537463 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537463 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537463 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158537478 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537478 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537478 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537478 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537479 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158537479 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537479 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537479 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537479 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537479 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537507 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158537507 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158537507 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158537507 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537507 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537507 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537507 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537507 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537507 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537507 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537507 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158537507 | Interest Rate Initial Cap |  | 12 | Verified |
| XXXX |  |  | 3158537507 | Interest Rate Initial Floor |  | 6 | Verified |
| XXXX |  |  | 3158537520 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537520 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537520 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537520 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537520 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537527 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537527 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537527 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537527 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158537527 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537541 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158537541 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537541 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537541 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537541 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537541 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537541 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537545 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158537545 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158537545 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158537545 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537545 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537545 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537545 | Property Type | Single Family Detached | 2 Family | Verified |
| XXXX |  |  | 3158537545 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537545 | Appraised Value | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537545 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537545 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537545 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537545 | # of Units |  | 2 | Verified |
| XXXX |  |  | 3158537545 | Interest Rate Initial Cap |  | 10.65 | Verified |
| XXXX |  |  | 3158537545 | Interest Rate Initial Floor |  | 3.6 | Verified |
| XXXX |  |  | 3158537545 | Original LTV | 65.5 | 79.8374 | Verified |
| XXXX |  |  | 3158537573 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537573 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537573 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537573 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537575 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537575 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537575 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537575 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537575 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537575 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158537580 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158537580 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537580 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537580 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537580 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537580 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537580 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537580 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537580 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537580 | Interest Rate Initial Cap |  | 20.1 | Verified |
| XXXX |  |  | 3158537580 | Interest Rate Initial Floor |  | 4.9 | Verified |
| XXXX |  |  | 3158537596 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537596 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537596 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537596 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537596 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537611 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537611 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537611 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537611 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537611 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537611 | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| XXXX |  |  | 3158537611 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537611 | Interest Rate Change Frequency |  | 12 | Verified |
| XXXX |  |  | 3158537611 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537611 | Interest Rate Initial Cap |  | 18.75 | Verified |
| XXXX |  |  | 3158537611 | Interest Rate Initial Floor |  | 2.75 | Verified |
| XXXX |  |  | 3158537645 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537645 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537645 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537645 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537656 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537656 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537656 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537656 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537656 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537661 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537661 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537661 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537661 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537661 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537661 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158537661 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537667 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158537667 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537667 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537667 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537667 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537667 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537667 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537669 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537669 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537669 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537669 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537669 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537669 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537688 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537688 | Interest Only | 0 |  | Verified |
| XXXX |  |  | 3158537688 | Index Type |  | MTA - 12 Month | Verified |
| XXXX |  |  | 3158537688 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537688 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537688 | Interest Rate Initial Cap |  | 8.3 | Verified |
| XXXX |  |  | 3158537710 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537710 | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified |
| XXXX |  |  | 3158537710 | Interest Only | 0 |  | Verified |
| XXXX |  |  | 3158537710 | Index Type |  | MTA - 12 Month | Verified |
| XXXX |  |  | 3158537710 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537710 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537710 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537710 | Interest Rate Initial Cap |  | 8.6 | Verified |
| XXXX |  |  | 3158537758 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537758 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537758 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537758 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537758 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537758 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537763 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158537763 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158537763 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537763 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537763 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537763 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537763 | Interest Rate Initial Cap | 18 | 14.25 | Verified |
| XXXX |  |  | 3158537796 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158537796 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537796 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537796 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537796 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537796 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537796 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537796 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158537797 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158537797 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158537797 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537797 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537797 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537797 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537797 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537797 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537797 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537797 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537797 | Interest Rate Initial Cap |  | 15.5 | Verified |
| XXXX |  |  | 3158537797 | Interest Rate Initial Floor |  | 3.25 | Verified |
| XXXX |  |  | 3158537806 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158537806 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158537806 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537806 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537806 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537806 | Property Type | Condo (Low Rise) | UTD | Verified |
| XXXX |  |  | 3158537806 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537806 | Occupancy | Primary | UTD | Verified |
| XXXX |  |  | 3158537806 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537806 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537806 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537806 | Interest Rate Initial Cap |  | 13.5 | Verified |
| XXXX |  |  | 3158537806 | Interest Rate Initial Floor |  | 6.5 | Verified |
| XXXX |  |  | 3158537808 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537808 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537808 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537808 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537808 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537809 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537809 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537809 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537809 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537809 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537812 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158537812 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158537812 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158537812 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537812 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537812 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537812 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537812 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158537812 | Interest Rate Initial Cap | 18 | 10 | Verified |
| XXXX |  |  | 3158537812 | Interest Rate Initial Floor | 3.75 | 4.25 | Verified |
| XXXX |  |  | 3158537819 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537819 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537819 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537819 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537819 | Property Type | Condo (Low Rise) | UTD | Verified |
| XXXX |  |  | 3158537819 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537819 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537829 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537829 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537829 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537829 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537829 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537834 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158537834 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158537834 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537834 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537834 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537834 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537834 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537834 | Interest Rate Initial Cap | 18 | 14.45 | Verified |
| XXXX |  |  | 3158537834 | Interest Rate Initial Floor | 3.75 | 3.55 | Verified |
| XXXX |  |  | 3158537841 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537841 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537841 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158537841 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537857 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537857 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537857 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537857 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537857 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537865 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158537865 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158537865 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537865 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537865 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537865 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537865 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158537865 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158537870 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158537870 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158537870 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158537870 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537870 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537870 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537870 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537870 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537870 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537870 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537870 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537870 | Interest Rate Initial Cap |  | 14.25 | Verified |
| XXXX |  |  | 3158537870 | Interest Rate Initial Floor |  | 0 | Verified |
| XXXX |  |  | 3158537882 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537882 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537882 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158537882 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537891 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537891 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537891 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537891 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537891 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537891 | Purpose |  | Refinance | Verified |
| XXXX |  |  | 3158537891 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537891 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158537891 | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537932 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158537932 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537932 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537932 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537932 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537932 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158537932 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537932 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537932 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537932 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537932 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158537932 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158537932 | Interest Rate Initial Cap |  | 21.26 | Verified |
| XXXX |  |  | 3158537932 | Interest Rate Initial Floor |  | 3.74 | Verified |
| XXXX |  |  | 3158537956 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537956 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537956 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537956 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537956 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537956 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537989 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158537989 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537989 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537989 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537989 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537989 | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| XXXX |  |  | 3158537989 | Margin |  | XX | Verified |
| XXXX |  |  | 3158537989 | Interest Rate Change Frequency |  | 12 | Verified |
| XXXX |  |  | 3158537989 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537989 | Interest Rate Initial Cap |  | 17.34 | Verified |
| XXXX |  |  | 3158537989 | Interest Rate Initial Floor |  | 4.16 | Verified |
| XXXX |  |  | 3158537997 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158537997 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158537997 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158537997 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158537997 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158538001 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538001 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538001 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538001 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538001 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538013 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538013 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538013 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538013 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538013 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538013 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538013 | Original LTV | 46.5 | 91.60305 | Verified |
| XXXX |  |  | 3158538018 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538018 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538018 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538018 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538018 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538018 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538018 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538018 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538018 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538018 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538018 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538018 | Interest Rate Initial Cap |  | 8 | Verified |
| XXXX |  |  | 3158538018 | Interest Rate Initial Floor |  | 8.25 | Verified |
| XXXX |  |  | 3158538018 | Original LTV | 89.9 | 91.69935 | Verified |
| XXXX |  |  | 3158538025 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538025 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538025 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538025 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538025 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538025 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538025 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158538025 | Interest Rate Initial Cap | 18 | 12.25 | Verified |
| XXXX |  |  | 3158538025 | Interest Rate Initial Floor | 0 | 5.75 | Verified |
| XXXX |  |  | 3158538050 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538050 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538050 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538050 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538050 | Occupancy | Primary | UTD | Verified |
| XXXX |  |  | 3158538050 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538050 | Interest Rate Initial Cap | 21 | 14.51 | Verified |
| XXXX |  |  | 3158538050 | Interest Rate Initial Floor | 0 | 6.49 | Verified |
| XXXX |  |  | 3158538073 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538073 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538073 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538073 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158538073 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538078 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538078 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538078 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538078 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538078 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538078 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158538078 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538078 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538078 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538078 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158538078 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158538078 | Interest Rate Initial Cap |  | 21.26 | Verified |
| XXXX |  |  | 3158538078 | Interest Rate Initial Floor |  | 3.74 | Verified |
| XXXX |  |  | 3158538083 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538083 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538083 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538083 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538083 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538115 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538115 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538115 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538115 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538115 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538115 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538115 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538115 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538115 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538115 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158538115 | Interest Rate Initial Cap |  | 20.5 | Verified |
| XXXX |  |  | 3158538115 | Interest Rate Initial Floor |  | 4.5 | Verified |
| XXXX |  |  | 3158538118 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538118 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538118 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538118 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538118 | Purpose |  | Refinance | Verified |
| XXXX |  |  | 3158538118 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538118 | # of Units | 2 |  | Verified |
| XXXX |  |  | 3158538118 | Refi Purpose |  | Rate/Term | Verified |
| XXXX |  |  | 3158538122 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538122 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538122 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538122 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538122 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538122 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158538122 | Purpose |  | Refinance | Verified |
| XXXX |  |  | 3158538122 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538122 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538122 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538122 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158538122 | Refi Purpose |  | Cash-out - Other | Verified |
| XXXX |  |  | 3158538122 | Interest Rate Initial Cap |  | 20.34 | Verified |
| XXXX |  |  | 3158538122 | Interest Rate Initial Floor |  | 4 | Verified |
| XXXX |  |  | 3158538125 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538125 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538125 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538125 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538125 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538131 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538131 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538131 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538131 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538131 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538131 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158538171 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538171 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538171 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538171 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538171 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538171 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538193 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538193 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538193 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538193 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538193 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538193 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538193 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538193 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158538193 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538193 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538193 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538193 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538193 | Interest Rate Initial Cap |  | 14.25 | Verified |
| XXXX |  |  | 3158538195 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538195 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538195 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538195 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538195 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538195 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538218 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538218 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538218 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538218 | Property Type | Condo (Low Rise) | UTD | Verified |
| XXXX |  |  | 3158538218 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538228 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538228 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538228 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538228 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538228 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538228 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158538228 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538228 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538228 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538228 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538228 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158538228 | Interest Rate Initial Cap |  | 13.7 | Verified |
| XXXX |  |  | 3158538261 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538261 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538261 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538261 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538261 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158538261 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538302 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538302 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538302 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538302 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538302 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538302 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538302 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538302 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158538302 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538302 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538302 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538302 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538302 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538302 | Interest Rate Initial Cap |  | 10.51 | Verified |
| XXXX |  |  | 3158538302 | Interest Rate Initial Floor |  | 7.49 | Verified |
| XXXX |  |  | 3158538312 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538312 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538312 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538312 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158538312 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538324 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538324 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538324 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538324 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538324 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538324 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538324 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158538324 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158538329 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538329 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538329 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538329 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538329 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538329 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158538348 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538348 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538348 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538348 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538348 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538348 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158538348 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158538351 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538351 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538351 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538351 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538351 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538351 | Lien Position | 1 | 2 | Verified |
| XXXX |  |  | 3158538351 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538351 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538351 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538351 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538351 | Interest Rate Initial Cap |  | 12.95 | Verified |
| XXXX |  |  | 3158538351 | Interest Rate Initial Floor |  | 7.25 | Verified |
| XXXX |  |  | 3158538352 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538352 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538352 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538352 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538352 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538364 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538364 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538364 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538364 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538364 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538364 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538364 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158538364 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538364 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538364 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538364 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538364 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158538364 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538364 | Interest Rate Initial Cap |  | 14.25 | Verified |
| XXXX |  |  | 3158538364 | Interest Rate Initial Floor |  | 3.6 | Verified |
| XXXX |  |  | 3158538381 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538381 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538381 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538381 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538381 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538385 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538385 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538385 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538385 | Occupancy | Second Home | UTD | Verified |
| XXXX |  |  | 3158538385 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538385 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538391 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538391 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538391 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538391 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538391 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538391 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158538394 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538394 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538394 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538394 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538394 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538394 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538394 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538394 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158538399 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538399 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538399 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538399 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538399 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538399 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538399 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538419 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538419 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538419 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538419 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538419 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538419 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538419 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158538419 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538421 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538421 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538421 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538421 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538421 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538421 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538421 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158538421 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538421 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538421 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538421 | Interest Rate Initial Cap |  | 10.75 | Verified |
| XXXX |  |  | 3158538421 | Interest Rate Initial Floor |  | 7.25 | Verified |
| XXXX |  |  | 3158538427 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538427 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538427 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538427 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538427 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538427 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158538427 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538427 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538427 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538427 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538427 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158538427 | Interest Rate Initial Cap |  | 13.76 | Verified |
| XXXX |  |  | 3158538427 | Interest Rate Initial Floor |  | 7.24 | Verified |
| XXXX |  |  | 3158538438 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538438 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538438 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538438 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538438 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538438 | Property Type | Condo (Low Rise) | UTD | Verified |
| XXXX |  |  | 3158538438 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538438 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538438 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538438 | Interest Rate Initial Cap |  | 10 | Verified |
| XXXX |  |  | 3158538438 | Interest Rate Initial Floor |  | 4.25 | Verified |
| XXXX |  |  | 3158538439 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538439 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538439 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538439 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538439 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538439 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538439 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158538439 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158538439 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538439 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538439 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538439 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538439 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158538439 | Interest Rate Initial Cap |  | 12.75 | Verified |
| XXXX |  |  | 3158538439 | Interest Rate Initial Floor |  | 7.5 | Verified |
| XXXX |  |  | 3158538465 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538465 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538465 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538465 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538465 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538465 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538465 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158538466 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538466 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538466 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538466 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538466 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538466 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158538477 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538477 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538477 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538477 | Occupancy | Second Home | Investment | Verified |
| XXXX |  |  | 3158538477 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538485 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538485 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538485 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538485 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538485 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538485 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538485 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158538501 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538501 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538501 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538501 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538501 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538501 | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified |
| XXXX |  |  | 3158538501 | Purpose | Refinance | Purchase | Verified |
| XXXX |  |  | 3158538501 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538501 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538501 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538501 | Refi Purpose | Cash-out - Other |  | Verified |
| XXXX |  |  | 3158538501 | Interest Rate Initial Cap |  | 9.7 | Verified |
| XXXX |  |  | 3158538501 | Interest Rate Initial Floor |  | 7.25 | Verified |
| XXXX |  |  | 3158538507 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538507 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538507 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538507 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538507 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538507 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538514 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538514 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538514 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538514 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538514 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538514 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538514 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538514 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538514 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538514 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538514 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158538514 | Interest Rate Initial Cap |  | 10.55 | Verified |
| XXXX |  |  | 3158538514 | Interest Rate Initial Floor |  | 6.5 | Verified |
| XXXX |  |  | 3158538542 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538542 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538542 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538542 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538542 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538542 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538542 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158538542 | Occupancy | Primary | UTD | Verified |
| XXXX |  |  | 3158538542 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158538542 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538542 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538542 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538542 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158538542 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158538542 | Interest Rate Initial Cap |  | 12.15 | Verified |
| XXXX |  |  | 3158538542 | Interest Rate Initial Floor |  | 8.25 | Verified |
| XXXX |  |  | 3158538542 | Original LTV | 77.7 | 80 | Verified |
| XXXX |  |  | 3158538572 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538572 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538572 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538572 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538572 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538572 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538572 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538572 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538572 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538572 | Interest Rate Initial Cap |  | 12.99 | Verified |
| XXXX |  |  | 3158538572 | Interest Rate Initial Floor |  | 7.75 | Verified |
| XXXX |  |  | 3158538583 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538583 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538583 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538583 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538583 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158538583 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538583 | Interest Rate Initial Cap | 21 | 14.25 | Verified |
| XXXX |  |  | 3158538583 | Interest Rate Initial Floor | 0 | 6.5 | Verified |
| XXXX |  |  | 3158538600 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538600 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538600 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538600 | Property Type | Condo (Low Rise) | UTD | Verified |
| XXXX |  |  | 3158538600 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538600 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538604 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538604 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538604 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538604 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538604 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538604 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538604 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538617 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538617 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538617 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538617 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538617 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538617 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158538617 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538619 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538619 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538619 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538619 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538619 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538619 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538619 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158538619 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538649 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538649 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538649 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538649 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538649 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158538649 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538653 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538653 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538653 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538653 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538653 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538653 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538653 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538655 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538655 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538655 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538655 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538655 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538655 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538655 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158538655 | Occupancy | Primary | Investment | Verified |
| XXXX |  |  | 3158538655 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538655 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538655 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538655 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538655 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158538655 | Interest Rate Initial Cap |  | 7.9 | Verified |
| XXXX |  |  | 3158538655 | Interest Rate Initial Floor |  | 6.35 | Verified |
| XXXX |  |  | 3158538660 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538660 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538660 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538660 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538660 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538660 | Property Type | Single Family Detached | 2 Family | Verified |
| XXXX |  |  | 3158538660 | Purpose | Refinance | Purchase | Verified |
| XXXX |  |  | 3158538660 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538660 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538660 | # of Units |  | 2 | Verified |
| XXXX |  |  | 3158538660 | Refi Purpose | Cash-out - Other |  | Verified |
| XXXX |  |  | 3158538660 | Interest Rate Initial Cap |  | 8.1 | Verified |
| XXXX |  |  | 3158538660 | Interest Rate Initial Floor |  | 6.15 | Verified |
| XXXX |  |  | 3158538670 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538670 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538670 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538670 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538670 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538670 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538670 | Margin | XX | XX | Verified |
| XXXX |  |  | 3158538670 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158538670 | Interest Rate Initial Cap | 18 | 12.25 | Verified |
| XXXX |  |  | 3158538670 | Interest Rate Initial Floor | 0 | 5.75 | Verified |
| XXXX |  |  | 3158538674 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538674 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538674 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538674 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538674 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538674 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538674 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538678 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538678 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538678 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538678 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538678 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538678 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158538689 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538689 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538689 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538689 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538689 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538689 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538689 | Property Type | Single Family Detached | 2 Family | Verified |
| XXXX |  |  | 3158538689 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158538689 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538689 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538689 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538689 | # of Units |  | 2 | Verified |
| XXXX |  |  | 3158538689 | Interest Rate Initial Cap |  | 10.1 | Verified |
| XXXX |  |  | 3158538689 | Interest Rate Initial Floor |  | 4.15 | Verified |
| XXXX |  |  | 3158538708 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538708 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538708 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538708 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538708 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538708 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158538709 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538709 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538709 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538709 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538709 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538710 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538710 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538710 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538710 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538710 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538710 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538710 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158538710 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538710 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538710 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538710 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538710 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158538710 | Interest Rate Initial Cap |  | 6.75 | Verified |
| XXXX |  |  | 3158538710 | Interest Rate Initial Floor |  | 3.5 | Verified |
| XXXX |  |  | 3158538713 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538713 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538713 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538713 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538713 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538713 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158538717 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538717 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538717 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538717 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538717 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538723 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538723 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538723 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538723 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538723 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538723 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538723 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538723 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538723 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538723 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158538723 | Interest Rate Initial Cap |  | 14.26 | Verified |
| XXXX |  |  | 3158538723 | Interest Rate Initial Floor |  | 6.74 | Verified |
| XXXX |  |  | 3158538730 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538730 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538730 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538730 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538730 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538730 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538745 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538745 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538745 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538745 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538745 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538745 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538745 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538745 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538745 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538745 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158538745 | Interest Rate Initial Cap |  | 13.01 | Verified |
| XXXX |  |  | 3158538745 | Interest Rate Initial Floor |  | 7.99 | Verified |
| XXXX |  |  | 3158538751 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538751 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538751 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538751 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538751 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538751 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538752 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538752 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538752 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538752 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538752 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538752 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538752 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158538752 | Purpose | Refinance | Purchase | Verified |
| XXXX |  |  | 3158538752 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538752 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538752 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538752 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538752 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158538752 | Refi Purpose | Cash-out - Other |  | Verified |
| XXXX |  |  | 3158538752 | Interest Rate Initial Cap |  | 5.7 | Verified |
| XXXX |  |  | 3158538752 | Interest Rate Initial Floor |  | 4.55 | Verified |
| XXXX |  |  | 3158538794 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538794 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538794 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538794 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538794 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538794 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158538794 | Occupancy | Primary | UTD | Verified |
| XXXX |  |  | 3158538794 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538794 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538794 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538794 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538794 | Interest Rate Initial Cap |  | 17.5 | Verified |
| XXXX |  |  | 3158538794 | Interest Rate Initial Floor |  | 4 | Verified |
| XXXX |  |  | 3158538807 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538807 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538807 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538807 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538807 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538807 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538823 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538823 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538823 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538823 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538823 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538823 | Property Type | Condo (Low Rise) | UTD | Verified |
| XXXX |  |  | 3158538823 | Occupancy | Primary | UTD | Verified |
| XXXX |  |  | 3158538823 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538823 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538823 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538823 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538823 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158538823 | Interest Rate Initial Cap |  | 8.5 | Verified |
| XXXX |  |  | 3158538823 | Interest Rate Initial Floor |  | 5.75 | Verified |
| XXXX |  |  | 3158538827 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538827 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538827 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538827 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538827 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538827 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158538829 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538829 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538829 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538829 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538829 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538829 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538829 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158538829 | Interest Rate Initial Cap | 18 | 6.5 | Verified |
| XXXX |  |  | 3158538846 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538846 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538846 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538846 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538846 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158538846 | Purpose |  | Refinance | Verified |
| XXXX |  |  | 3158538846 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538846 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538846 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538846 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538846 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158538846 | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538846 | Interest Rate Initial Cap |  | 16.25 | Verified |
| XXXX |  |  | 3158538846 | Interest Rate Initial Floor |  | 4.75 | Verified |
| XXXX |  |  | 3158538867 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538867 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538867 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538867 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538867 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158538867 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538870 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538870 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538870 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538870 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538870 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538870 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538870 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538870 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538870 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538870 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538870 | Interest Rate Initial Cap |  | 13.25 | Verified |
| XXXX |  |  | 3158538870 | Interest Rate Initial Floor |  | 1 | Verified |
| XXXX |  |  | 3158538890 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538890 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538890 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538890 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538890 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538890 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538890 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538895 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538895 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538895 | Property Type | Single Family Detached | Single Family Attached | Verified |
| XXXX |  |  | 3158538895 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158538909 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538909 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538909 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538909 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538909 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538909 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158538909 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538924 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538924 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538924 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538924 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538924 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538924 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538924 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538924 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538924 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538924 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158538924 | Interest Rate Initial Cap |  | 13.01 | Verified |
| XXXX |  |  | 3158538924 | Interest Rate Initial Floor |  | 7.99 | Verified |
| XXXX |  |  | 3158538937 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538937 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538937 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538937 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538937 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538937 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158538937 | Occupancy | Primary | UTD | Verified |
| XXXX |  |  | 3158538937 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158538937 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538937 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538937 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538937 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158538937 | Interest Rate Initial Cap |  | 18 | Verified |
| XXXX |  |  | 3158538937 | Interest Rate Initial Floor |  | 6 | Verified |
| XXXX |  |  | 3158538940 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538940 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538940 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538940 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538940 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538940 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158538951 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158538951 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158538951 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158538951 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158538951 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538951 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538951 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158538951 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158538951 | Margin |  | XX | Verified |
| XXXX |  |  | 3158538951 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158538951 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158538951 | Interest Rate Initial Cap |  | 9.6 | Verified |
| XXXX |  |  | 3158538951 | Interest Rate Initial Floor |  | 7.75 | Verified |
| XXXX |  |  | 3158538962 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158538962 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158538962 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158538962 | Occupancy | Investment | UTD | Verified |
| XXXX |  |  | 3158538962 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539041 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539041 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539041 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539041 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539041 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158539041 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539041 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539051 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539051 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539051 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539051 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539051 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539051 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539051 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158539056 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539056 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539056 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539056 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539056 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539056 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158539079 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539079 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539079 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539079 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539101 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539101 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539101 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539101 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539101 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539101 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158539101 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539101 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539101 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539101 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158539101 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158539101 | Interest Rate Initial Cap |  | 13.01 | Verified |
| XXXX |  |  | 3158539101 | Interest Rate Initial Floor |  | 7.99 | Verified |
| XXXX |  |  | 3158539117 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539117 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158539117 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539117 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539117 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539117 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539117 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539117 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539117 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539117 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539117 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158539117 | Interest Rate Initial Cap |  | 12.55 | Verified |
| XXXX |  |  | 3158539117 | Interest Rate Initial Floor |  | 3.15 | Verified |
| XXXX |  |  | 3158539118 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539118 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539118 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539118 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539118 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539118 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539127 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539127 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539127 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539127 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539127 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539127 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539127 | Interest Rate Initial Cap | 21 | 15.76 | Verified |
| XXXX |  |  | 3158539127 | Interest Rate Initial Floor | 0 | 5 | Verified |
| XXXX |  |  | 3158539137 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539137 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539137 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539137 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539137 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539137 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539137 | # of Units | 2 |  | Verified |
| XXXX |  |  | 3158539139 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539139 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539139 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539139 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539139 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539139 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158539139 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539139 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539139 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539139 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539139 | Interest Rate Initial Cap |  | 12.25 | Verified |
| XXXX |  |  | 3158539139 | Interest Rate Initial Floor |  | 7.5 | Verified |
| XXXX |  |  | 3158539156 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539156 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539156 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539156 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539156 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539176 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539176 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539176 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539176 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539176 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539176 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539176 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539176 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158539177 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539177 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539177 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539177 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539177 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539187 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539187 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158539187 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539187 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539187 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539187 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539187 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158539187 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539187 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539187 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158539187 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158539187 | Interest Rate Initial Cap |  | 5.8 | Verified |
| XXXX |  |  | 3158539187 | Interest Rate Initial Floor |  | 4.45 | Verified |
| XXXX |  |  | 3158539190 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539190 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539190 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539190 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539190 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158539190 | Interest Rate Initial Cap | 21 | 15 | Verified |
| XXXX |  |  | 3158539190 | Interest Rate Initial Floor | 0 | 6 | Verified |
| XXXX |  |  | 3158539198 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539198 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539198 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539198 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539198 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539198 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158539198 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539213 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539213 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539213 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539213 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539213 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539213 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158539213 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539226 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539226 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158539226 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539226 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539226 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539226 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539226 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539226 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158539226 | Lien Position | 1 | 2 | Verified |
| XXXX |  |  | 3158539226 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539226 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539226 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539226 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539226 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158539226 | Interest Rate Initial Cap |  | 9.44 | Verified |
| XXXX |  |  | 3158539226 | Interest Rate Initial Floor |  | 5 | Verified |
| XXXX |  |  | 3158539248 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539248 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539248 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539248 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158539248 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539266 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539266 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539266 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539266 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539266 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539266 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539275 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539275 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539275 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539275 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539275 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539275 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539282 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539282 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158539282 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539282 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539282 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539282 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539282 | Property Type | Single Family Detached | PUD | Verified |
| XXXX |  |  | 3158539282 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158539282 | Purpose | Refinance | Purchase | Verified |
| XXXX |  |  | 3158539282 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539282 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539282 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539282 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539282 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158539282 | Refi Purpose | Cash-out - Other |  | Verified |
| XXXX |  |  | 3158539282 | Interest Rate Initial Cap |  | 9 | Verified |
| XXXX |  |  | 3158539282 | Interest Rate Initial Floor |  | 5.25 | Verified |
| XXXX |  |  | 3158539294 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539294 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539294 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539294 | Lien Position | 1 | 2 | Verified |
| XXXX |  |  | 3158539294 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539294 | Margin | XX | XX | Verified |
| XXXX |  |  | 3158539294 | Interest Rate Initial Cap | 18 | 12.26 | Verified |
| XXXX |  |  | 3158539294 | Interest Rate Initial Floor | 0 | 0.74 | Verified |
| XXXX |  |  | 3158539310 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539310 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539310 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539310 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539310 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539310 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539310 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539310 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539310 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539310 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158539310 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539310 | Interest Rate Initial Cap |  | 9.96 | Verified |
| XXXX |  |  | 3158539310 | Interest Rate Initial Floor |  | 8 | Verified |
| XXXX |  |  | 3158539322 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539322 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539322 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539322 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539322 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539322 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539325 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539325 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539325 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539325 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539325 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539328 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539328 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539328 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539328 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539328 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539328 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539328 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158539333 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539333 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539333 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539333 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539354 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539354 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539354 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539354 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539354 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539358 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539358 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539358 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539358 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539358 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539365 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539365 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539365 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539365 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539365 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539365 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158539365 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539365 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158539371 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539371 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539371 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539371 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539371 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539371 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539371 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539371 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539371 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539371 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539371 | Interest Rate Initial Cap |  | 13.75 | Verified |
| XXXX |  |  | 3158539371 | Interest Rate Initial Floor |  | 4.24 | Verified |
| XXXX |  |  | 3158539385 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539385 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539385 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539385 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539385 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539385 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158539385 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158539385 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539385 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158539385 | Interest Rate Initial Cap | 21 | 13.51 | Verified |
| XXXX |  |  | 3158539385 | Interest Rate Initial Floor | 0 | 7.49 | Verified |
| XXXX |  |  | 3158539391 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539391 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158539391 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539391 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539391 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539391 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539391 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158539391 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539391 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539391 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539391 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158539391 | Interest Rate Initial Cap |  | 9.5 | Verified |
| XXXX |  |  | 3158539391 | Interest Rate Initial Floor |  | 4.75 | Verified |
| XXXX |  |  | 3158539398 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539398 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539398 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539398 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539398 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539398 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539418 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539418 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539418 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539418 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539418 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539418 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539423 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539423 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158539423 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539423 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539423 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539423 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539423 | Property Type | Single Family Detached | PUD | Verified |
| XXXX |  |  | 3158539423 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539423 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539423 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539423 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539423 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158539423 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158539423 | Interest Rate Initial Cap |  | 5.25 | Verified |
| XXXX |  |  | 3158539423 | Interest Rate Initial Floor |  | 5 | Verified |
| XXXX |  |  | 3158539438 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539438 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539438 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539438 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539438 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158539438 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539455 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539455 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539455 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539455 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539455 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539455 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158539455 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539455 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539455 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539455 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539455 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539455 | Interest Rate Initial Cap |  | 16.85 | Verified |
| XXXX |  |  | 3158539455 | Interest Rate Initial Floor |  | 5.25 | Verified |
| XXXX |  |  | 3158539457 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539457 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158539457 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539457 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539457 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539457 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539457 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158539457 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539457 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539457 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539457 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158539457 | Interest Rate Initial Cap |  | 9.6 | Verified |
| XXXX |  |  | 3158539457 | Interest Rate Initial Floor |  | 4.65 | Verified |
| XXXX |  |  | 3158539463 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539463 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539463 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539463 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539463 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539463 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158539469 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539469 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539469 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539469 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539469 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539469 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539469 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158539476 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539476 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539476 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539476 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539476 | Occupancy | Primary | Investment | Verified |
| XXXX |  |  | 3158539476 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539476 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158539476 | Interest Rate Initial Cap | 18 | 10.35 | Verified |
| XXXX |  |  | 3158539476 | Interest Rate Initial Floor | 3.75 | 7.25 | Verified |
| XXXX |  |  | 3158539496 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539496 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539496 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539496 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539496 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539534 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539534 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158539534 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539534 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539534 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539534 | Occupancy | Primary | Investment | Verified |
| XXXX |  |  | 3158539534 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539534 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539534 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539534 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539534 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158539534 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539534 | Interest Rate Initial Cap |  | 8.4 | Verified |
| XXXX |  |  | 3158539534 | Interest Rate Initial Floor |  | 8 | Verified |
| XXXX |  |  | 3158539535 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539535 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539535 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539535 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539566 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539566 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158539566 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539566 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539566 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539566 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539566 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539566 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539566 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539566 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158539566 | Interest Rate Initial Cap |  | 10 | Verified |
| XXXX |  |  | 3158539566 | Interest Rate Initial Floor |  | 4.25 | Verified |
| XXXX |  |  | 3158539591 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539591 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539591 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539591 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539591 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539591 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539591 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158539591 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539591 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539591 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539591 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539591 | Interest Rate Initial Cap |  | 9.35 | Verified |
| XXXX |  |  | 3158539591 | Interest Rate Initial Floor |  | 8.25 | Verified |
| XXXX |  |  | 3158539597 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539597 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539597 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539597 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539597 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539597 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539597 | Occupancy | Primary | UTD | Verified |
| XXXX |  |  | 3158539597 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539602 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539602 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539602 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539602 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539602 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539602 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158539602 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158539602 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539602 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539602 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539602 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539602 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158539602 | Interest Rate Initial Cap |  | 19.25 | Verified |
| XXXX |  |  | 3158539602 | Interest Rate Initial Floor |  | 4.75 | Verified |
| XXXX |  |  | 3158539603 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539603 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539603 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539603 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539603 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539603 | Lien Position | 1 | 2 | Verified |
| XXXX |  |  | 3158539603 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539603 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539603 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539603 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539603 | Interest Rate Initial Cap |  | 20.01 | Verified |
| XXXX |  |  | 3158539603 | Interest Rate Initial Floor |  | 4 | Verified |
| XXXX |  |  | 3158539603 | Original LTV | 0 |  | Verified |
| XXXX |  |  | 3158539607 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539607 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539607 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539607 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539607 | Occupancy | Primary | UTD | Verified |
| XXXX |  |  | 3158539607 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539607 | Margin | XX | XX | Verified |
| XXXX |  |  | 3158539607 | Interest Rate Initial Cap | 18 | 11.7 | Verified |
| XXXX |  |  | 3158539607 | Interest Rate Initial Floor | 0 | 2.55 | Verified |
| XXXX |  |  | 3158539607 | Original LTV | 75 | 34.57735 | Verified |
| XXXX |  |  | 3158539608 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539608 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539608 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539608 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539608 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539612 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539612 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539612 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539612 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539612 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539612 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158539612 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539612 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158539616 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539616 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539616 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539616 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539616 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539663 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539663 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539663 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539663 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539663 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539663 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539663 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158539668 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539668 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539668 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539668 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539668 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539668 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539668 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158539668 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158539668 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539668 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539668 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539668 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539668 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158539668 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158539668 | Interest Rate Initial Cap |  | 13.01 | Verified |
| XXXX |  |  | 3158539668 | Interest Rate Initial Floor |  | 7.99 | Verified |
| XXXX |  |  | 3158539674 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539674 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539674 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539674 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539674 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539674 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539678 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539678 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539678 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539678 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539678 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539678 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158539678 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539690 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539690 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539690 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539690 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539691 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539691 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539691 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539691 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539691 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539694 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539694 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539694 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539694 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539694 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539694 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158539695 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539695 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539695 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539695 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539695 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539695 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539695 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158539699 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158539699 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539699 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539699 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539699 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539699 | Lien Position | 1 | 2 | Verified |
| XXXX |  |  | 3158539699 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539699 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539699 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539699 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158539699 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539699 | Interest Rate Initial Cap |  | 8 | Verified |
| XXXX |  |  | 3158539699 | Interest Rate Initial Floor |  | 3 | Verified |
| XXXX |  |  | 3158539700 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539700 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539700 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539700 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539700 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539700 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158539700 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539700 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539700 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539700 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539700 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539700 | Interest Rate Initial Cap |  | 12.76 | Verified |
| XXXX |  |  | 3158539700 | Interest Rate Initial Floor |  | 8.24 | Verified |
| XXXX |  |  | 3158539717 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539717 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539717 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539717 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539736 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539736 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539736 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539736 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539736 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539736 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539743 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539743 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539743 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539743 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539743 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539743 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158539743 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158539744 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539744 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539744 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539744 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158539744 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539774 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539774 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539774 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539774 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539774 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539777 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539777 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539777 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539777 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539777 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539783 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539783 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539783 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539783 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539783 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539783 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539783 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539805 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539805 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539805 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539805 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158539805 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539813 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539813 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158539813 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539813 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539813 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539813 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539813 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539813 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539813 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539813 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158539813 | Interest Rate Initial Cap |  | 9.5 | Verified |
| XXXX |  |  | 3158539813 | Interest Rate Initial Floor |  | 7.5 | Verified |
| XXXX |  |  | 3158539824 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539824 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539824 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539824 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539824 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539826 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539826 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158539826 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539826 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539826 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539826 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539826 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539826 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539826 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539826 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539826 | Interest Rate Initial Cap |  | 11.75 | Verified |
| XXXX |  |  | 3158539826 | Interest Rate Initial Floor |  | 5.75 | Verified |
| XXXX |  |  | 3158539826 | Original LTV | 48.4 | 36.76471 | Verified |
| XXXX |  |  | 3158539828 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539828 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539828 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539828 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539828 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539828 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539828 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158539828 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158539829 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539829 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539829 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539829 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158539829 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158539844 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539844 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539844 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539844 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539844 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539844 | Lien Position | 2 | 1 | Verified |
| XXXX |  |  | 3158539844 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539844 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539855 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539855 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539855 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539855 | Purpose | Purchase | Refinance | Verified |
| XXXX |  |  | 3158539855 | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539861 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539861 | Purpose | Purchase | Refinance | Verified |
| XXXX |  |  | 3158539861 | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539863 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539863 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539863 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539863 | Purpose | Purchase | Refinance | Verified |
| XXXX |  |  | 3158539863 | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539867 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539867 | Purpose | Purchase | Refinance | Verified |
| XXXX |  |  | 3158539867 | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539885 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539885 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539885 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539885 | Property Type | Single Family Detached | Manufactured Housing | Verified |
| XXXX |  |  | 3158539885 | Purpose | Purchase | Refinance | Verified |
| XXXX |  |  | 3158539885 | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539889 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539889 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539889 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539889 | Property Type | Single Family Detached | Mobile Home (Multi-Wide) | Verified |
| XXXX |  |  | 3158539889 | Appraised Value | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539889 | Original LTV | 100 | 85 | Verified |
| XXXX |  |  | 3158539895 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539895 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539895 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539895 | Property Type | Multi (Blanket) | 3 Family | Verified |
| XXXX |  |  | 3158539895 | Original LTV | 75.5 | 80 | Verified |
| XXXX |  |  | 3158539911 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539911 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539911 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539911 | Purpose | Purchase | Refinance | Verified |
| XXXX |  |  | 3158539911 | Appraised Value | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539911 | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539911 | Original LTV | 100 | 80 | Verified |
| XXXX |  |  | 3158539919 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539919 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539919 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539919 | Purpose | Purchase | Refinance | Verified |
| XXXX |  |  | 3158539919 | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539927 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539927 | Appraised Value | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539932 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539932 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539932 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539932 | Purpose | Purchase | Refinance | Verified |
| XXXX |  |  | 3158539932 | Refi Purpose |  | Cash-out - Other | Verified |
| XXXX |  |  | 3158539933 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539933 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539933 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539933 | Property Type | Single Family Detached | Single Family Attached | Verified |
| XXXX |  |  | 3158539943 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539943 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539943 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539943 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539943 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539943 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158539943 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158539943 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539943 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539943 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539943 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539943 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158539943 | Interest Rate Initial Cap |  | 12.01 | Verified |
| XXXX |  |  | 3158539943 | Interest Rate Initial Floor |  | 5.74 | Verified |
| XXXX |  |  | 3158539947 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539947 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539947 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539947 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539947 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539947 | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| XXXX |  |  | 3158539947 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539947 | Interest Rate Change Frequency |  | 12 | Verified |
| XXXX |  |  | 3158539947 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158539947 | Interest Rate Initial Cap |  | 19.2 | Verified |
| XXXX |  |  | 3158539947 | Interest Rate Initial Floor |  | 2.3 | Verified |
| XXXX |  |  | 3158539956 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539956 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539956 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539956 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539956 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539981 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539981 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539981 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539981 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539981 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539982 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158539982 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158539982 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539982 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539982 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539982 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539982 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158539982 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539982 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539982 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539982 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158539982 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158539982 | Interest Rate Initial Cap |  | 11.75 | Verified |
| XXXX |  |  | 3158539982 | Interest Rate Initial Floor |  | 2.5 | Verified |
| XXXX |  |  | 3158539992 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539992 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539992 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539992 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539992 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539992 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158539997 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158539997 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158539997 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158539997 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158539997 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158539997 | Occupancy | Primary | UTD | Verified |
| XXXX |  |  | 3158539997 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158539997 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158539997 | Margin |  | XX | Verified |
| XXXX |  |  | 3158539997 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158539997 | Interest Rate Initial Cap |  | 21.26 | Verified |
| XXXX |  |  | 3158539997 | Interest Rate Initial Floor |  | 3.74 | Verified |
| XXXX |  |  | 3158540023 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540023 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158540023 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540023 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540023 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540023 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540023 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158540023 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540023 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540023 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540023 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158540023 | Interest Rate Initial Cap |  | 12 | Verified |
| XXXX |  |  | 3158540023 | Interest Rate Initial Floor |  | 6 | Verified |
| XXXX |  |  | 3158540031 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540031 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540031 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540031 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540040 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540040 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540040 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540040 | Property Type | Single Family Detached |  | Verified |
| XXXX |  |  | 3158540040 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540040 | Original LTV | 56.6 |  | Verified |
| XXXX |  |  | 3158540071 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540071 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540071 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540071 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540071 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158540093 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540093 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540093 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540093 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540093 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540093 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540095 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540095 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540095 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540095 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540095 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540095 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540095 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540100 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540100 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540100 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540100 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540100 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540100 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540100 | Interest Rate Initial Cap | 21 | 13.81 | Verified |
| XXXX |  |  | 3158540100 | Interest Rate Initial Floor | 0 | 7.19 | Verified |
| XXXX |  |  | 3158540125 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540125 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540125 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540125 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540125 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540125 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540125 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540130 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540130 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540130 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540130 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540130 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540130 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540146 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540146 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540146 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540146 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540146 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540146 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540146 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540153 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540153 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540153 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540153 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540153 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540153 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158540167 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540167 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158540167 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540167 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540167 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540167 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540167 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158540167 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540167 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540167 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540167 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540167 | Interest Rate Initial Cap |  | 12.125 | Verified |
| XXXX |  |  | 3158540167 | Interest Rate Initial Floor |  | 5.25 | Verified |
| XXXX |  |  | 3158540174 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540174 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540174 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540174 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540174 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540174 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158540174 | Occupancy | Primary | UTD | Verified |
| XXXX |  |  | 3158540174 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158540174 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540174 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540174 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540174 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540174 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158540174 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158540174 | Interest Rate Initial Cap |  | 14.75 | Verified |
| XXXX |  |  | 3158540174 | Interest Rate Initial Floor |  | 9.25 | Verified |
| XXXX |  |  | 3158540197 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540197 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540197 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540197 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540197 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540197 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540209 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540209 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540209 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540209 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540209 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540209 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540209 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158540217 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540217 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540217 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540217 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540217 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540217 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540217 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158540217 | Purpose |  | Refinance | Verified |
| XXXX |  |  | 3158540217 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540217 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540217 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540217 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540217 | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540217 | Interest Rate Initial Cap |  | 16.51 | Verified |
| XXXX |  |  | 3158540217 | Interest Rate Initial Floor |  | 4.49 | Verified |
| XXXX |  |  | 3158540221 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540221 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540221 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540221 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540221 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540221 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158540221 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540221 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540221 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540221 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540221 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158540221 | Interest Rate Initial Cap |  | 12.75 | Verified |
| XXXX |  |  | 3158540221 | Interest Rate Initial Floor |  | 7.5 | Verified |
| XXXX |  |  | 3158540242 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540242 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540242 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540242 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540244 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540244 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540244 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540244 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158540244 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540248 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540248 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540248 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540248 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540248 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540248 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540252 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540252 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540252 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540252 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540252 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540252 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540260 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540260 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540260 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540260 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540260 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540260 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158540306 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540306 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540306 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540306 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540309 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540309 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540309 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540309 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540309 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540310 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540310 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540310 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540310 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540310 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540310 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540323 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540323 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158540323 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540323 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540323 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540323 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540323 | Property Type | Single Family Detached | PUD | Verified |
| XXXX |  |  | 3158540323 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540323 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540323 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540323 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540323 | Interest Rate Initial Cap |  | 9 | Verified |
| XXXX |  |  | 3158540323 | Interest Rate Initial Floor |  | 5.25 | Verified |
| XXXX |  |  | 3158540326 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540326 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540326 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540326 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540326 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540326 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540326 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540326 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158540326 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540326 | Interest Rate Initial Cap |  | 8 | Verified |
| XXXX |  |  | 3158540326 | Interest Rate Initial Floor |  | 3.425 | Verified |
| XXXX |  |  | 3158540354 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540354 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540354 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540354 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540354 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540354 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540354 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158540363 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540363 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158540363 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540363 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540363 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540363 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540363 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158540363 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540363 | Interest Rate Initial Cap | 18 | 12.76 | Verified |
| XXXX |  |  | 3158540363 | Interest Rate Initial Floor | 0 | 4.25 | Verified |
| XXXX |  |  | 3158540366 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540366 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540366 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158540366 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540367 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540367 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540367 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540367 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540367 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540367 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540367 | Interest Rate Initial Cap | 21 | 16.51 | Verified |
| XXXX |  |  | 3158540367 | Interest Rate Initial Floor | 0 | 4.49 | Verified |
| XXXX |  |  | 3158540368 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540368 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540368 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540368 | Occupancy | Primary | UTD | Verified |
| XXXX |  |  | 3158540368 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540375 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540375 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540375 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540375 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540375 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540375 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540391 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540391 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540391 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540391 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540391 | Appraised Value | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540391 | Margin | XX | XX | Verified |
| XXXX |  |  | 3158540391 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158540391 | Interest Rate Initial Cap | 16 | 8.5 | Verified |
| XXXX |  |  | 3158540391 | Interest Rate Initial Floor | 0 | 7 | Verified |
| XXXX |  |  | 3158540391 | Original LTV | 0 | 50 | Verified |
| XXXX |  |  | 3158540397 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540397 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540397 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540397 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540399 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540399 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158540399 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540399 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540399 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540399 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540399 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540399 | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| XXXX |  |  | 3158540399 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540399 | Interest Rate Change Frequency |  | 12 | Verified |
| XXXX |  |  | 3158540399 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540399 | Interest Rate Initial Cap |  | 19.09 | Verified |
| XXXX |  |  | 3158540399 | Interest Rate Initial Floor |  | 2.36 | Verified |
| XXXX |  |  | 3158540414 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158540414 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540414 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540414 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540414 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540414 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158540414 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540416 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158540416 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540416 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540416 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540416 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540416 | Property Type | Single Family Detached | 2 Family | Verified |
| XXXX |  |  | 3158540416 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540416 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540416 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540416 | # of Units |  | 2 | Verified |
| XXXX |  |  | 3158540416 | Interest Rate Initial Cap |  | 10.1 | Verified |
| XXXX |  |  | 3158540416 | Interest Rate Initial Floor |  | 4.15 | Verified |
| XXXX |  |  | 3158540440 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540440 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540440 | Property Type | Multi (Blanket) | 2 Family | Verified |
| XXXX |  |  | 3158540440 | Interest Only | 0 |  | Verified |
| XXXX |  |  | 3158540440 | Index Type |  | MTA - 12 Month | Verified |
| XXXX |  |  | 3158540440 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540440 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540440 | Interest Rate Initial Cap |  | 7.7 | Verified |
| XXXX |  |  | 3158540447 | Occupancy | Second Home | Investment | Verified |
| XXXX |  |  | 3158540447 | Purpose | Purchase | Refinance | Verified |
| XXXX |  |  | 3158540447 | Index Type |  | LIBOR - 6 Month (Daily) | Verified |
| XXXX |  |  | 3158540447 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540447 | Interest Rate Change Frequency |  | 6 | Verified |
| XXXX |  |  | 3158540447 | Refi Purpose |  | Cash-out - Other | Verified |
| XXXX |  |  | 3158540447 | Interest Rate Initial Cap |  | 6 | Verified |
| XXXX |  |  | 3158540447 | Interest Rate Initial Floor |  | 5.75 | Verified |
| XXXX |  |  | 3158540450 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540451 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158540451 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540451 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540451 | Original LTV | 84.5 | 90 | Verified |
| XXXX |  |  | 3158540466 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540466 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540466 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540466 | Interest Only | 0 |  | Verified |
| XXXX |  |  | 3158540466 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540466 | Index Type |  | MTA - 12 Month | Verified |
| XXXX |  |  | 3158540466 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540466 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540466 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158540466 | Refi Purpose | Cash-out | Rate/Term | Verified |
| XXXX |  |  | 3158540466 | Interest Rate Initial Cap |  | 7.7 | Verified |
| XXXX |  |  | 3158540473 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540473 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540473 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540473 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540473 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540473 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158540473 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540473 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540473 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540473 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540473 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540473 | Interest Rate Initial Cap |  | 11.74 | Verified |
| XXXX |  |  | 3158540473 | Interest Rate Initial Floor |  | 8.25 | Verified |
| XXXX |  |  | 3158540483 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540483 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540483 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540483 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540488 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540488 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158540488 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540488 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540488 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540488 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540488 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540488 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540488 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540488 | Interest Rate Initial Cap | 18 | 13 | Verified |
| XXXX |  |  | 3158540488 | Interest Rate Initial Floor | 0 | 3 | Verified |
| XXXX |  |  | 3158540488 | Original LTV | 31.5 | 27.5 | Verified |
| XXXX |  |  | 3158540495 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540495 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540495 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540495 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540495 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540495 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158540495 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540495 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540495 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540495 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540495 | Interest Rate Initial Cap |  | 13.01 | Verified |
| XXXX |  |  | 3158540495 | Interest Rate Initial Floor |  | 7.99 | Verified |
| XXXX |  |  | 3158540508 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540508 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540508 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540508 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540508 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540519 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540519 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540519 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540519 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540519 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540519 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158540524 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540524 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540524 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540524 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540524 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158540532 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540532 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540532 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540532 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540532 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540532 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540532 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540541 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540541 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540541 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540541 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540541 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158540541 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540568 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540568 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540568 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540568 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540568 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540568 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540573 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540573 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540573 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540573 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540573 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540573 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540578 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540578 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158540578 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540578 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540578 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540578 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540578 | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified |
| XXXX |  |  | 3158540578 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158540578 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540578 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540578 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540578 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158540578 | Interest Rate Initial Cap |  | 13.25 | Verified |
| XXXX |  |  | 3158540578 | Interest Rate Initial Floor |  | 4.25 | Verified |
| XXXX |  |  | 3158540583 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540583 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540583 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540583 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540583 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540599 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540599 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540599 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540599 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540599 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540599 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540627 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158540627 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540627 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540627 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540627 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540627 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540627 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540627 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540627 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540627 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158540627 | Interest Rate Initial Cap |  | 11.5 | Verified |
| XXXX |  |  | 3158540627 | Interest Rate Initial Floor |  | 6.5 | Verified |
| XXXX |  |  | 3158540637 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540637 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540637 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540637 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540637 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540637 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540648 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540648 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540648 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540648 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540648 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540648 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540649 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540649 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540649 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540649 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540649 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540649 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540649 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540654 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540654 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540654 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540654 | Purpose |  | Refinance | Verified |
| XXXX |  |  | 3158540654 | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540667 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540667 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158540667 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540667 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540667 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540667 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540667 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540667 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158540667 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540667 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540667 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540667 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540667 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540667 | Interest Rate Initial Cap |  | 9.6 | Verified |
| XXXX |  |  | 3158540667 | Interest Rate Initial Floor |  | 4.65 | Verified |
| XXXX |  |  | 3158540668 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540668 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540668 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540674 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540674 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540674 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540674 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158540674 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540681 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158540681 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540681 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540681 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540681 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540681 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540681 | Interest Rate Initial Cap | 18 | 11.01 | Verified |
| XXXX |  |  | 3158540681 | Interest Rate Initial Floor | 0 | 6.99 | Verified |
| XXXX |  |  | 3158540692 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540692 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540692 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540692 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540692 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540692 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158540692 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540692 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540692 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540692 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540692 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540692 | Interest Rate Initial Cap |  | 12.8 | Verified |
| XXXX |  |  | 3158540692 | Interest Rate Initial Floor |  | 8.2 | Verified |
| XXXX |  |  | 3158540696 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540696 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158540696 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540696 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540696 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540696 | Property Type | Condo (Low Rise) | UTD | Verified |
| XXXX |  |  | 3158540696 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540696 | Interest Rate Initial Cap | 18 | 9.71 | Verified |
| XXXX |  |  | 3158540696 | Interest Rate Initial Floor | 0 | 8 | Verified |
| XXXX |  |  | 3158540702 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540702 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540702 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540702 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540702 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540702 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540713 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540713 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540713 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540713 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540713 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540713 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540713 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540713 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158540713 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158540713 | Interest Rate Initial Cap |  | 12.15 | Verified |
| XXXX |  |  | 3158540713 | Interest Rate Initial Floor |  | 7.25 | Verified |
| XXXX |  |  | 3158540775 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540775 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540775 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540775 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540775 | Property Type | Condo (Low Rise) | UTD | Verified |
| XXXX |  |  | 3158540775 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158540775 | Occupancy | Second Home | UTD | Verified |
| XXXX |  |  | 3158540775 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540775 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540775 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540775 | Interest Rate Initial Cap |  | 21 | Verified |
| XXXX |  |  | 3158540775 | Interest Rate Initial Floor |  | 4 | Verified |
| XXXX |  |  | 3158540780 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540780 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158540780 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540780 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540780 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540780 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540780 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540780 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540780 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540780 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540780 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540780 | Interest Rate Initial Cap |  | 13.95 | Verified |
| XXXX |  |  | 3158540786 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540786 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540786 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540786 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540786 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540850 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540850 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540850 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540850 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540850 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540850 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540850 | Interest Only | 1 | 0 | Verified |
| XXXX |  |  | 3158540850 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540850 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540850 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540850 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540850 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158540850 | Interest Rate Initial Cap |  | 18.85 | Verified |
| XXXX |  |  | 3158540850 | Interest Rate Initial Floor |  | 5.5 | Verified |
| XXXX |  |  | 3158540857 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540857 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540857 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540857 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540857 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158540864 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540864 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540864 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540864 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540864 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540864 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540872 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540872 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540872 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540872 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540872 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540872 | Original LTV | 58.1 | 78.35913 | Verified |
| XXXX |  |  | 3158540877 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540877 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540877 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540877 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540877 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158540877 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540877 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540877 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540877 | Interest Rate Initial Cap |  | 10.5 | Verified |
| XXXX |  |  | 3158540877 | Interest Rate Initial Floor |  | 8.25 | Verified |
| XXXX |  |  | 3158540883 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540883 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540883 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540883 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540883 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540883 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158540883 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540883 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540883 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540883 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158540883 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158540883 | Interest Rate Initial Cap |  | 13.25 | Verified |
| XXXX |  |  | 3158540883 | Interest Rate Initial Floor |  | 7.75 | Verified |
| XXXX |  |  | 3158540908 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158540908 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540908 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540908 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540908 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540908 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540908 | Occupancy | Primary | Investment | Verified |
| XXXX |  |  | 3158540908 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540908 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540908 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540908 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540908 | Interest Rate Initial Cap |  | 10.95 | Verified |
| XXXX |  |  | 3158540908 | Interest Rate Initial Floor |  | 3.3 | Verified |
| XXXX |  |  | 3158540918 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540918 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540918 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540918 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540918 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540925 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540925 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540925 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540925 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540925 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540925 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540925 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540945 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540945 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540945 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540945 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540945 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540946 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540946 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540946 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540946 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540946 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540946 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158540946 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540946 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540946 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540946 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540946 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158540946 | Interest Rate Initial Cap |  | 13.76 | Verified |
| XXXX |  |  | 3158540946 | Interest Rate Initial Floor |  | 7.24 | Verified |
| XXXX |  |  | 3158540958 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540958 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540958 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540958 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540958 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540958 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540970 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540970 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540970 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540970 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540971 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540971 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540971 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540971 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540971 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540971 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158540971 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540977 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540977 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540977 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540977 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540977 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158540977 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158540977 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540977 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540977 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540977 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540977 | # of Units | 2 |  | Verified |
| XXXX |  |  | 3158540977 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158540977 | Interest Rate Initial Cap |  | 14.76 | Verified |
| XXXX |  |  | 3158540977 | Interest Rate Initial Floor |  | 6.24 | Verified |
| XXXX |  |  | 3158540985 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158540985 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540985 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540985 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540985 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540985 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540985 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540985 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540985 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158540985 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158540985 | Interest Rate Initial Cap |  | 14.5 | Verified |
| XXXX |  |  | 3158540985 | Interest Rate Initial Floor |  | 6.5 | Verified |
| XXXX |  |  | 3158540995 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158540995 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158540995 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158540995 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158540995 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158540995 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158540995 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158540995 | Margin |  | XX | Verified |
| XXXX |  |  | 3158540995 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158540995 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158540995 | Interest Rate Initial Cap |  | 13.5 | Verified |
| XXXX |  |  | 3158540995 | Interest Rate Initial Floor |  | 0.75 | Verified |
| XXXX |  |  | 3158541005 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541005 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541005 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541005 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541005 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541005 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541005 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541005 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541005 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541005 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541005 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158541005 | Interest Rate Initial Cap |  | 13.76 | Verified |
| XXXX |  |  | 3158541005 | Interest Rate Initial Floor |  | 7.24 | Verified |
| XXXX |  |  | 3158541016 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541016 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541016 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541016 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541016 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541016 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541017 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541017 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541017 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541017 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541017 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541022 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541022 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541022 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541022 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541023 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541023 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541023 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541023 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541023 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541023 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158541025 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541025 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541025 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541025 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541025 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541037 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541037 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541037 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541037 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541037 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541037 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541037 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158541037 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541037 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541037 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541037 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541037 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158541037 | Interest Rate Initial Cap |  | 12.51 | Verified |
| XXXX |  |  | 3158541037 | Interest Rate Initial Floor |  | 8.25 | Verified |
| XXXX |  |  | 3158541041 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541041 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541041 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541041 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158541069 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541069 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541069 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541069 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541069 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541077 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541077 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541077 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541077 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541077 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541085 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541085 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541085 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541085 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541085 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541085 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541085 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541085 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541085 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541085 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541085 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158541085 | Interest Rate Initial Cap |  | 20.25 | Verified |
| XXXX |  |  | 3158541085 | Interest Rate Initial Floor |  | 4.75 | Verified |
| XXXX |  |  | 3158541089 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541089 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541089 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541089 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541089 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541089 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541089 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158541089 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158541092 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541092 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541092 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541092 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541092 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541103 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541103 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541103 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541103 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541103 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541105 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541105 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541105 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541105 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541105 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541105 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541106 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541106 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541106 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541106 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541106 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541106 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158541110 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541110 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541110 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541110 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541110 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541110 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541111 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541111 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541111 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541111 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541111 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541111 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541141 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541141 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541141 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541141 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541141 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541141 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541142 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541142 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541142 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541142 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541142 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541142 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541142 | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| XXXX |  |  | 3158541142 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541142 | Interest Rate Change Frequency |  | 12 | Verified |
| XXXX |  |  | 3158541142 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541142 | Interest Rate Initial Cap |  | 19.1 | Verified |
| XXXX |  |  | 3158541142 | Interest Rate Initial Floor |  | 2.4 | Verified |
| XXXX |  |  | 3158541148 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541148 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541148 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541148 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541148 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541148 | Property Type | Townhouse | UTD | Verified |
| XXXX |  |  | 3158541148 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541148 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541148 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541148 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541148 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541148 | Interest Rate Initial Cap |  | 14.25 | Verified |
| XXXX |  |  | 3158541148 | Interest Rate Initial Floor |  | 3.75 | Verified |
| XXXX |  |  | 3158541148 | Original LTV | 77.5 | 49.24 | Verified |
| XXXX |  |  | 3158541149 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541149 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541149 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541149 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541149 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541149 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541149 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541149 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158541149 | Interest Rate Initial Cap |  | 13.76 | Verified |
| XXXX |  |  | 3158541149 | Interest Rate Initial Floor |  | 7.24 | Verified |
| XXXX |  |  | 3158541155 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541155 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158541155 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541155 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541155 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541155 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541155 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541155 | Interest Rate Initial Cap | 18 | 10.76 | Verified |
| XXXX |  |  | 3158541155 | Interest Rate Initial Floor | 0 | 7.24 | Verified |
| XXXX |  |  | 3158541161 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541161 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541161 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541161 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541161 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541161 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541161 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541161 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541161 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541161 | # of Units | 2 |  | Verified |
| XXXX |  |  | 3158541161 | Interest Rate Initial Cap |  | 12.5 | Verified |
| XXXX |  |  | 3158541161 | Interest Rate Initial Floor |  | 8.25 | Verified |
| XXXX |  |  | 3158541179 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541179 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541179 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541179 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541189 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541189 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541189 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541189 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541194 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541194 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541194 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541194 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541194 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541194 | Occupancy |  | Primary | Verified |
| XXXX |  |  | 3158541194 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541194 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541195 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541195 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541195 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541195 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541195 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541227 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541227 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541227 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541227 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541227 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541227 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541227 | Lien Position | 1 | 2 | Verified |
| XXXX |  |  | 3158541227 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541227 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541227 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541227 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541227 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158541227 | Interest Rate Initial Cap |  | 11.75 | Verified |
| XXXX |  |  | 3158541227 | Interest Rate Initial Floor |  | 7 | Verified |
| XXXX |  |  | 3158541235 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541235 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541235 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541235 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541235 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541235 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541236 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541236 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541236 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541236 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541236 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541236 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541247 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541247 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541247 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541247 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541247 | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| XXXX |  |  | 3158541247 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541247 | Interest Rate Change Frequency |  | 12 | Verified |
| XXXX |  |  | 3158541247 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541247 | Interest Rate Initial Cap |  | 18.7 | Verified |
| XXXX |  |  | 3158541247 | Interest Rate Initial Floor |  | 3.4 | Verified |
| XXXX |  |  | 3158541248 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541248 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541248 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541248 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541248 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541248 | Purpose | Refinance | Purchase | Verified |
| XXXX |  |  | 3158541248 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541248 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541248 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541248 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158541248 | Refi Purpose | Cash-out - Other |  | Verified |
| XXXX |  |  | 3158541248 | Interest Rate Initial Cap |  | 9.6 | Verified |
| XXXX |  |  | 3158541248 | Interest Rate Initial Floor |  | 4.65 | Verified |
| XXXX |  |  | 3158541261 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541261 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541261 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541261 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541261 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541263 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541263 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541263 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541263 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541263 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541263 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541263 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541264 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541264 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541264 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541264 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541264 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541264 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541264 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541313 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541313 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541313 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541313 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541313 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541313 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541320 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541320 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541320 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541320 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541320 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541320 | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| XXXX |  |  | 3158541320 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541320 | Interest Rate Change Frequency |  | 12 | Verified |
| XXXX |  |  | 3158541320 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541320 | Interest Rate Initial Cap |  | 19.24 | Verified |
| XXXX |  |  | 3158541320 | Interest Rate Initial Floor |  | 2.26 | Verified |
| XXXX |  |  | 3158541329 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541329 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541329 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541329 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541329 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541329 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158541339 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541339 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541339 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541339 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541339 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541339 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541339 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541339 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158541339 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541339 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541339 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541339 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158541339 | Interest Rate Initial Cap |  | 20.25 | Verified |
| XXXX |  |  | 3158541339 | Interest Rate Initial Floor |  | 4.75 | Verified |
| XXXX |  |  | 3158541343 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541343 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541343 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541343 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541343 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541343 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541349 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541349 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541349 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541349 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541349 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541349 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541349 | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| XXXX |  |  | 3158541349 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541349 | Interest Rate Change Frequency |  | 12 | Verified |
| XXXX |  |  | 3158541349 | # of Units | 2 |  | Verified |
| XXXX |  |  | 3158541349 | Interest Rate Initial Cap |  | 18.6 | Verified |
| XXXX |  |  | 3158541349 | Interest Rate Initial Floor |  | 2.9 | Verified |
| XXXX |  |  | 3158541351 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541351 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541351 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541351 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541351 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541351 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541351 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541351 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541351 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541351 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541351 | Interest Rate Initial Cap |  | 13.26 | Verified |
| XXXX |  |  | 3158541351 | Interest Rate Initial Floor |  | 7.74 | Verified |
| XXXX |  |  | 3158541367 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541367 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541367 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541367 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541369 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541369 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541369 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541369 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541369 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541369 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541369 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541369 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158541369 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541369 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541369 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541369 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158541369 | Interest Rate Initial Cap |  | 12.62 | Verified |
| XXXX |  |  | 3158541369 | Interest Rate Initial Floor |  | 8.25 | Verified |
| XXXX |  |  | 3158541372 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541372 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541372 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541372 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541372 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541372 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541379 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541379 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541379 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541379 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541379 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541379 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541379 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541379 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541379 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541379 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541379 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541379 | Interest Rate Initial Cap |  | 14.26 | Verified |
| XXXX |  |  | 3158541379 | Interest Rate Initial Floor |  | 6.74 | Verified |
| XXXX |  |  | 3158541380 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541380 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541380 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541380 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541380 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541380 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541380 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158541383 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541383 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158541383 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541383 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541383 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541383 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541383 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158541383 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541383 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541383 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158541383 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158541383 | Interest Rate Initial Cap |  | 8.9 | Verified |
| XXXX |  |  | 3158541383 | Interest Rate Initial Floor |  | 5.35 | Verified |
| XXXX |  |  | 3158541395 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541395 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158541395 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541395 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541395 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541395 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541395 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541395 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541395 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541395 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541395 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541395 | Interest Rate Initial Cap |  | 6.5 | Verified |
| XXXX |  |  | 3158541395 | Interest Rate Initial Floor |  | 3.75 | Verified |
| XXXX |  |  | 3158541397 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541397 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541397 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541397 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541397 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541397 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541397 | Purpose |  | Refinance | Verified |
| XXXX |  |  | 3158541397 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541397 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541397 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541397 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541397 | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541397 | Interest Rate Initial Cap |  | 13 | Verified |
| XXXX |  |  | 3158541397 | Interest Rate Initial Floor |  | 8 | Verified |
| XXXX |  |  | 3158541397 | Original LTV | 76.7 | 64.28571 | Verified |
| XXXX |  |  | 3158541403 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541403 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541403 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541403 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541403 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541403 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541403 | Occupancy | Primary | UTD | Verified |
| XXXX |  |  | 3158541403 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541403 | Interest Rate Initial Cap | 21 | 13.01 | Verified |
| XXXX |  |  | 3158541403 | Interest Rate Initial Floor | 0 | 7.99 | Verified |
| XXXX |  |  | 3158541406 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541406 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158541406 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541406 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541406 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541406 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541406 | Property Type | Single Family Detached | 4 Family | Verified |
| XXXX |  |  | 3158541406 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541406 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541406 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541406 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541406 | # of Units |  | 4 | Verified |
| XXXX |  |  | 3158541406 | Interest Rate Initial Cap |  | 10 | Verified |
| XXXX |  |  | 3158541406 | Interest Rate Initial Floor |  | 4.25 | Verified |
| XXXX |  |  | 3158541408 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541408 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158541408 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541408 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541408 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541408 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541408 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541408 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541408 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541408 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158541408 | Interest Rate Initial Cap |  | 14.25 | Verified |
| XXXX |  |  | 3158541408 | Interest Rate Initial Floor |  | 3.75 | Verified |
| XXXX |  |  | 3158541416 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541416 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541416 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541416 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541416 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541416 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541416 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541433 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541433 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541433 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541433 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541433 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541443 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541443 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541443 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541443 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541443 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541443 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541443 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541443 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541443 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541443 | Interest Rate Initial Cap |  | 18.49 | Verified |
| XXXX |  |  | 3158541443 | Interest Rate Initial Floor |  | 5.75 | Verified |
| XXXX |  |  | 3158541444 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541444 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541444 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541444 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541444 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541444 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541457 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541457 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158541457 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158541457 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541457 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541457 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541457 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541457 | Occupancy | Primary | Investment | Verified |
| XXXX |  |  | 3158541457 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541462 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541462 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158541462 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541462 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541462 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541462 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541462 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541462 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541462 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541462 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541462 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541462 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541462 | Interest Rate Initial Cap |  | 12.21 | Verified |
| XXXX |  |  | 3158541462 | Interest Rate Initial Floor |  | 4.75 | Verified |
| XXXX |  |  | 3158541481 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541481 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541481 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541481 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541481 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541491 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541491 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541491 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541491 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541491 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541491 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541539 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541539 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541539 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541539 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541539 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158541539 | Original LTV | 101.4 | 98.61111 | Verified |
| XXXX |  |  | 3158541542 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541542 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541542 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541542 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541542 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541542 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541542 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158541552 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541552 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158541552 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541552 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541552 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541552 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541552 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541552 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541552 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541552 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541552 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541552 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541552 | Interest Rate Initial Cap |  | 9 | Verified |
| XXXX |  |  | 3158541552 | Interest Rate Initial Floor |  | 5.25 | Verified |
| XXXX |  |  | 3158541570 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541570 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541570 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541570 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541570 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541570 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541570 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541570 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158541570 | Interest Rate Initial Cap |  | 15.01 | Verified |
| XXXX |  |  | 3158541570 | Interest Rate Initial Floor |  | 5.99 | Verified |
| XXXX |  |  | 3158541572 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541572 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158541572 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541572 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541572 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541572 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541572 | Property Type | Single Family Detached | 3 Family | Verified |
| XXXX |  |  | 3158541572 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541572 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541572 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541572 | # of Units |  | 3 | Verified |
| XXXX |  |  | 3158541572 | Interest Rate Initial Cap |  | 10.1 | Verified |
| XXXX |  |  | 3158541572 | Interest Rate Initial Floor |  | 4.15 | Verified |
| XXXX |  |  | 3158541590 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541590 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541590 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541590 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541590 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541590 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541590 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541590 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541590 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541590 | Interest Rate Initial Cap |  | 13.5 | Verified |
| XXXX |  |  | 3158541590 | Interest Rate Initial Floor |  | 7.5 | Verified |
| XXXX |  |  | 3158541592 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541592 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541592 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541592 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541604 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541604 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541604 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541604 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541604 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158541604 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541616 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541616 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541616 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541616 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541619 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541619 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541619 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541619 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541619 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541619 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541619 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158541621 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541621 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541621 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541621 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541621 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541621 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541642 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158541642 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541642 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541642 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541642 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541642 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541646 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541646 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541646 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541646 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541646 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541646 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541665 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541665 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541665 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541665 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541665 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541665 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541665 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541665 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541665 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541665 | Interest Rate Initial Cap |  | 19.25 | Verified |
| XXXX |  |  | 3158541665 | Interest Rate Initial Floor |  | 4.75 | Verified |
| XXXX |  |  | 3158541667 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541667 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541667 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541667 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541667 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541667 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541667 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541667 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541667 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541667 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541667 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541667 | Interest Rate Initial Cap |  | 20.34 | Verified |
| XXXX |  |  | 3158541667 | Interest Rate Initial Floor |  | 4 | Verified |
| XXXX |  |  | 3158541674 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541674 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541674 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541674 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541674 | Purpose | Refinance | Purchase | Verified |
| XXXX |  |  | 3158541674 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158541674 | Refi Purpose | Cash-out - Other |  | Verified |
| XXXX |  |  | 3158541674 | Interest Rate Initial Cap | 21 | 12.95 | Verified |
| XXXX |  |  | 3158541674 | Interest Rate Initial Floor | 0 | 8.05 | Verified |
| XXXX |  |  | 3158541678 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541678 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541678 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541678 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541678 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541678 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541678 | Interest Rate Initial Cap | 21 | 15.75 | Verified |
| XXXX |  |  | 3158541678 | Interest Rate Initial Floor | 0 | 5 | Verified |
| XXXX |  |  | 3158541699 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541699 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541699 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541699 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541699 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541699 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541714 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541714 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158541714 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541714 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541714 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541714 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541714 | Margin | XX | XX | Verified |
| XXXX |  |  | 3158541714 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158541714 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541714 | Interest Rate Initial Cap | 18 | 9.35 | Verified |
| XXXX |  |  | 3158541714 | Interest Rate Initial Floor | 0 | 8.4 | Verified |
| XXXX |  |  | 3158541725 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158541725 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541725 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541725 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541725 | Purpose | Refinance | Purchase | Verified |
| XXXX |  |  | 3158541725 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541725 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158541725 | Refi Purpose | Cash-out - Other |  | Verified |
| XXXX |  |  | 3158541725 | Interest Rate Initial Cap | 18 | 14.25 | Verified |
| XXXX |  |  | 3158541725 | Interest Rate Initial Floor | 0.001 | 3.75 | Verified |
| XXXX |  |  | 3158541726 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541726 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541726 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541726 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541726 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541726 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158541726 | Interest Rate Initial Cap | 21 | 14.01 | Verified |
| XXXX |  |  | 3158541726 | Interest Rate Initial Floor | 0 | 6.99 | Verified |
| XXXX |  |  | 3158541739 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541739 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541739 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541739 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541739 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541739 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541739 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541739 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541739 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541739 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541739 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541739 | Interest Rate Initial Cap |  | 13.25 | Verified |
| XXXX |  |  | 3158541739 | Interest Rate Initial Floor |  | 7.5 | Verified |
| XXXX |  |  | 3158541741 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541741 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541741 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541741 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541741 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541741 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541745 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541745 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541745 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541745 | Property Type | Condo (Low Rise) | UTD | Verified |
| XXXX |  |  | 3158541745 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541745 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541748 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158541748 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541748 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541748 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541748 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541748 | Occupancy | Primary | Investment | Verified |
| XXXX |  |  | 3158541748 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541748 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541748 | Interest Rate Initial Cap | 18 | 14.25 | Verified |
| XXXX |  |  | 3158541748 | Interest Rate Initial Floor | 3.75 |  | Verified |
| XXXX |  |  | 3158541756 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541756 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158541756 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541756 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541756 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541756 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541756 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541756 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541756 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541756 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541756 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158541756 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541756 | Interest Rate Initial Cap |  | 6.57 | Verified |
| XXXX |  |  | 3158541756 | Interest Rate Initial Floor |  | 7.68 | Verified |
| XXXX |  |  | 3158541760 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541760 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541760 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541760 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541760 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158541811 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541811 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541811 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541811 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541811 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541811 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541812 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541812 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541812 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541812 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541812 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541814 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541814 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541814 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541814 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541814 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541814 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541834 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541834 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541834 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541834 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158541834 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541835 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541835 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541835 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541835 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541835 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541835 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541855 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541855 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541855 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541855 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541855 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158541858 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541858 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541858 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541858 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541858 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541858 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541858 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541858 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541858 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541858 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541858 | Interest Rate Initial Cap |  | 16.75 | Verified |
| XXXX |  |  | 3158541858 | Interest Rate Initial Floor |  | 4 | Verified |
| XXXX |  |  | 3158541859 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541859 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541859 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541859 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541859 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541859 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541869 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541869 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541869 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541869 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541869 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541869 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541874 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541874 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541874 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541874 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541874 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541874 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541874 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541874 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158541874 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541874 | Interest Rate Initial Cap |  | 8 | Verified |
| XXXX |  |  | 3158541874 | Interest Rate Initial Floor |  | 8.25 | Verified |
| XXXX |  |  | 3158541877 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541877 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541877 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541877 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541877 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541877 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541903 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541903 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541903 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541903 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541903 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541903 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541918 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541918 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541918 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541918 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541918 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541918 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541918 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541918 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541918 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541918 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158541918 | Interest Rate Initial Cap |  | 13.01 | Verified |
| XXXX |  |  | 3158541918 | Interest Rate Initial Floor |  | 7.99 | Verified |
| XXXX |  |  | 3158541930 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541930 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541930 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541930 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541939 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541939 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541939 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541939 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541939 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541939 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541939 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541939 | Occupancy | Primary | UTD | Verified |
| XXXX |  |  | 3158541939 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541939 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158541939 | Margin |  | XX | Verified |
| XXXX |  |  | 3158541939 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158541939 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158541939 | Interest Rate Initial Cap |  | 13.01 | Verified |
| XXXX |  |  | 3158541939 | Interest Rate Initial Floor |  | 7.99 | Verified |
| XXXX |  |  | 3158541941 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541941 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541941 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541941 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158541941 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541956 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158541956 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158541956 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541956 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541956 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158541956 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541956 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158541956 | Interest Rate Initial Cap | 21 | 16 | Verified |
| XXXX |  |  | 3158541956 | Interest Rate Initial Floor | 0 | 3.25 | Verified |
| XXXX |  |  | 3158541992 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541992 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541992 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541992 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541992 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158541992 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158541999 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158541999 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158541999 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158541999 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158541999 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158541999 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158542000 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158542000 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158542000 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542000 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542000 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542000 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542000 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542000 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158542000 | Margin |  | XX | Verified |
| XXXX |  |  | 3158542000 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158542000 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158542000 | Interest Rate Initial Cap |  | 15.76 | Verified |
| XXXX |  |  | 3158542000 | Interest Rate Initial Floor |  | 5.24 | Verified |
| XXXX |  |  | 3158542019 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158542019 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158542019 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542019 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542019 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542019 | Property Type | Condo (Low Rise) | UTD | Verified |
| XXXX |  |  | 3158542019 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542019 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158542019 | Margin |  | XX | Verified |
| XXXX |  |  | 3158542019 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158542019 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158542019 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542019 | Interest Rate Initial Cap |  | 10.5 | Verified |
| XXXX |  |  | 3158542019 | Interest Rate Initial Floor |  | 5.5 | Verified |
| XXXX |  |  | 3158542024 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542024 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542024 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542024 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542024 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542036 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542036 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542036 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542036 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542036 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542036 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158542038 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542038 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158542038 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542038 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542038 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542038 | Occupancy | Second Home | UTD | Verified |
| XXXX |  |  | 3158542038 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542038 | Interest Rate Change Frequency | 1 |  | Verified |
| XXXX |  |  | 3158542038 | Interest Rate Initial Cap | 21 | 14.01 | Verified |
| XXXX |  |  | 3158542038 | Interest Rate Initial Floor | 0 | 6.99 | Verified |
| XXXX |  |  | 3158542042 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542042 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542042 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542042 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542042 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542042 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542050 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542050 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542050 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542050 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542050 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158542050 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542069 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542069 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542069 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542069 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542069 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542069 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158542069 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158542072 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542072 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542072 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542072 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542072 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158542072 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158542077 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158542077 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542077 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542077 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542077 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158542077 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542077 | Interest Rate Initial Cap | 21 | 13.5 | Verified |
| XXXX |  |  | 3158542077 | Interest Rate Initial Floor | 0 | 7.25 | Verified |
| XXXX |  |  | 3158542082 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158542082 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542082 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542082 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542082 | Appraised Value | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542082 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158542082 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542082 | Original LTV | 100 | 80 | Verified |
| XXXX |  |  | 3158542085 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158542085 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158542085 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542085 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542085 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542085 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542085 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158542085 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158542085 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542085 | Margin | XX | XX | Verified |
| XXXX |  |  | 3158542085 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158542085 | Interest Rate Initial Cap | 21 | 13 | Verified |
| XXXX |  |  | 3158542085 | Interest Rate Initial Floor | 0 | 7.5 | Verified |
| XXXX |  |  | 3158542111 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542111 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542111 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542111 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542111 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542111 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542111 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542122 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158542122 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542122 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542122 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542122 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542122 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542122 | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| XXXX |  |  | 3158542122 | Margin |  | XX | Verified |
| XXXX |  |  | 3158542122 | Interest Rate Change Frequency |  | 12 | Verified |
| XXXX |  |  | 3158542122 | Interest Rate Initial Cap |  | 9.75 | Verified |
| XXXX |  |  | 3158542122 | Interest Rate Initial Floor |  | 5.7 | Verified |
| XXXX |  |  | 3158542128 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158542128 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542128 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542128 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542128 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542128 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542128 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542129 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158542129 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158542129 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158542129 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542129 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542129 | Property Type | Single Family Detached | 2 Family | Verified |
| XXXX |  |  | 3158542129 | # of Units |  | 2 | Verified |
| XXXX |  |  | 3158542129 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542129 | Interest Rate Initial Cap | 18 | 13 | Verified |
| XXXX |  |  | 3158542129 | Interest Rate Initial Floor | 0 | 4.25 | Verified |
| XXXX |  |  | 3158542130 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542130 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542130 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542130 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542130 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542130 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542138 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542138 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542138 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542138 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542150 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542150 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542150 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542150 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542150 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542150 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542181 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542181 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542181 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542181 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542181 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542181 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542183 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542183 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542183 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542183 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542183 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542183 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158542202 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542202 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542202 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542202 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542202 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542202 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158542220 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158542220 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542220 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542220 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542220 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542220 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158542220 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542220 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158542220 | Margin |  | XX | Verified |
| XXXX |  |  | 3158542220 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158542220 | Interest Rate Initial Cap |  | 18.59 | Verified |
| XXXX |  |  | 3158542220 | Interest Rate Initial Floor |  | 4.75 | Verified |
| XXXX |  |  | 3158542222 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542222 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542222 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542222 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542222 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542222 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542237 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158542237 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542237 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542237 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542237 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542237 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542237 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542256 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542256 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542256 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542256 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542256 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542256 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542257 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542257 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542257 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542257 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542257 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542257 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542259 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542259 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542259 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542259 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542259 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158542259 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542264 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542264 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542264 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542264 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542264 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542264 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542269 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542269 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542269 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542269 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542269 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542269 | Refi Purpose | Cash-out - Other | Rate/Term | Verified |
| XXXX |  |  | 3158542272 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158542272 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158542272 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158542272 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542272 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542272 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542272 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158542272 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542272 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158542272 | Margin |  | XX | Verified |
| XXXX |  |  | 3158542272 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158542272 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158542272 | Interest Rate Initial Cap |  | 8.9 | Verified |
| XXXX |  |  | 3158542272 | Interest Rate Initial Floor |  | 8 | Verified |
| XXXX |  |  | 3158542289 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542289 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542289 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542289 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542289 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542308 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542308 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542308 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542308 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542321 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158542321 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158542321 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158542321 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542321 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542321 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542321 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158542321 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542321 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158542321 | Margin |  | XX | Verified |
| XXXX |  |  | 3158542321 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158542321 | Interest Rate Initial Cap |  | 6.25 | Verified |
| XXXX |  |  | 3158542321 | Interest Rate Initial Floor |  | 4 | Verified |
| XXXX |  |  | 3158542323 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542323 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542323 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542323 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542323 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542340 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542340 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542340 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542340 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158542340 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542344 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158542344 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542344 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542344 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542344 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542379 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542379 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542379 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542379 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158542379 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542382 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542382 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542382 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542382 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542382 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542382 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542387 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542387 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542387 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542387 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542387 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542395 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158542395 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542395 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542395 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542395 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542401 | Zip | XXXXX | XXXXX | Verified |
| XXXX |  |  | 3158542401 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158542401 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158542401 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542401 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542401 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542401 | Property Type | Single Family Detached | PUD Attached | Verified |
| XXXX |  |  | 3158542401 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158542401 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542401 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158542401 | Margin |  | XX | Verified |
| XXXX |  |  | 3158542401 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158542401 | Interest Rate Initial Cap |  | 9.6 | Verified |
| XXXX |  |  | 3158542401 | Interest Rate Initial Floor |  | 8 | Verified |
| XXXX |  |  | 3158542410 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158542410 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542410 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542410 | Property Type | Single Family Detached | Condo (Low Rise) | Verified |
| XXXX |  |  | 3158542410 | Interest Only | 1 | 0 | Verified |
| XXXX |  |  | 3158542410 | Lien Position | 1 | 2 | Verified |
| XXXX |  |  | 3158542410 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542410 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158542410 | Interest Rate Initial Cap | 18 | 14 | Verified |
| XXXX |  |  | 3158542410 | Interest Rate Initial Floor | 1 | 4 | Verified |
| XXXX |  |  | 3158542442 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158542442 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542442 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542442 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542442 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542442 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158542442 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542442 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158542442 | Margin |  | XX | Verified |
| XXXX |  |  | 3158542442 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158542442 | Refi Purpose | Cash-out - Other | UTD | Verified |
| XXXX |  |  | 3158542442 | Interest Rate Initial Cap |  | 14.01 | Verified |
| XXXX |  |  | 3158542442 | Interest Rate Initial Floor |  | 6.99 | Verified |
| XXXX |  |  | 3158542477 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158542477 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542477 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542477 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542477 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542477 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542477 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158542477 | Margin |  | XX | Verified |
| XXXX |  |  | 3158542477 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158542477 | Interest Rate Initial Cap |  | 18.34 | Verified |
| XXXX |  |  | 3158542477 | Interest Rate Initial Floor |  | 5 | Verified |
| XXXX |  |  | 3158542484 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542484 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542484 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542484 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158542484 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542486 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158542486 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542486 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542486 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542486 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542486 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158542486 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542486 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158542486 | Margin |  | XX | Verified |
| XXXX |  |  | 3158542486 | Interest Rate Initial Cap |  | 19.75 | Verified |
| XXXX |  |  | 3158542486 | Interest Rate Initial Floor |  | 4.25 | Verified |
| XXXX |  |  | 3158542492 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542492 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542492 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542492 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542492 | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| XXXX |  |  | 3158542492 | Margin |  | XX | Verified |
| XXXX |  |  | 3158542492 | Interest Rate Change Frequency |  | 12 | Verified |
| XXXX |  |  | 3158542492 | Interest Rate Initial Cap |  | 18.9 | Verified |
| XXXX |  |  | 3158542492 | Interest Rate Initial Floor |  | 2.6 | Verified |
| XXXX |  |  | 3158542497 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158542497 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542497 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542497 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542497 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542497 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158542497 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542497 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158542497 | Margin |  | XX | Verified |
| XXXX |  |  | 3158542497 | Interest Rate Initial Cap |  | 11.3 | Verified |
| XXXX |  |  | 3158542497 | Interest Rate Initial Floor |  | 8.25 | Verified |
| XXXX |  |  | 3158542512 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542512 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542512 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542512 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158542512 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542513 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158542513 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542513 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542513 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542513 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542513 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158542513 | Margin |  | XX | Verified |
| XXXX |  |  | 3158542513 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158542513 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158542513 | Interest Rate Initial Cap |  | 13.25 | Verified |
| XXXX |  |  | 3158542513 | Interest Rate Initial Floor |  | 7.75 | Verified |
| XXXX |  |  | 3158542526 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542526 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542526 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542526 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542526 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158542526 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542532 | Original Loan Amount | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542532 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542532 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542532 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542532 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542532 | Appraised Value | $XXX |  | Verified |
| XXXX |  |  | 3158542532 | Refi Purpose | Cash-out - Other | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158542534 | City | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542534 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| XXXX |  |  | 3158542534 | First Payment Date | XX/XX/XXXX |  | Verified |
| XXXX |  |  | 3158542534 | Original Term | XXXX | XXXX | Verified |
| XXXX |  |  | 3158542534 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542534 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542534 | Property Type | Single Family Detached | 3 Family | Verified |
| XXXX |  |  | 3158542534 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158542534 | Margin |  | XX | Verified |
| XXXX |  |  | 3158542534 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158542534 | # of Units |  | 3 | Verified |
| XXXX |  |  | 3158542534 | Interest Rate Initial Cap |  | 9.6 | Verified |
| XXXX |  |  | 3158542534 | Interest Rate Initial Floor |  | 4.65 | Verified |
| XXXX |  |  | 3158542552 | Original Interest Rate | XX | XX | Verified |
| XXXX |  |  | 3158542552 | Original P&I | $XXX | $XXX | Verified |
| XXXX |  |  | 3158542552 | Property Type | Single Family Detached | UTD | Verified |
| XXXX |  |  | 3158542552 | Appraised Value | $XXX |  | Verified |

---

## Exhibit 99.3

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

 **Exhibit 99.3 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC ID** | **Client LN** | **Seller LN** | **Servicer LN** | **Loan ID** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Critical Defect** | **SMtg Open** | **Address Variation** | **Origination Vesting** | **Current Vesting** | **SMtg First Position Mortgage** | **Prior Lien / Judgment** | **Municipal Lien** | **Association Super Lien** | **Property Tax Lien** | **Property Tax Status** | **SMtg Lien Position (Mortgages)** | **Critical Exception Count** | **Prior Mortgage Exception Count** | **Prior Mortgage Exception Total** | **Prior Mortgage Exception Details** | **Prior Lien Exception Count** | **Prior Lien Exception Total** | **Prior Lien Exception Details** | **Municipal Lien Exception Count** | **Municipal Lien Exception Total** | **Municipal Lien Exception Details** | **Property Tax Lien Exception Count** | **Property Tax Lien Exception Total** | **Property Tax Lien Exception Details** | **Association Lien Exception Count** | **Association Lien Exception Total** | **Association Lien Exception Details** | **IRS Lien Exception Count** | **IRS Lien Exception Total** | **IRS Lien Exception Details** | **Deed Vesting Exception Categories** | **Property Tax Status Issue** | **DQ Property Tax Amount** | **Property Tax Status Details** | **Final Event Level** | **Title Exceptions** | **Title Comments** |
| XXXX |  |  |  | 3158536802 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158536807 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158536812 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Inter-Family Deed Transfer | XXXX |
| XXXX |  |  |  | 3158536817 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158536821 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158536825 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Inter-Family Deed Transfer | XXXX |
| XXXX |  |  |  | 3158536839 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158536844 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158536871 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158536890 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158536891 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158536909 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Borrower Estate Transfer | XXXX |
| XXXX |  |  |  | 3158536920 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158536921 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158536944 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158536951 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158536957 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158536970 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158536973 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158536974 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 | XXXX | XXXX |  |  |  |  | 2 | Subordinate Liens/Judgments<br>IRS Lien | XXXX |
| XXXX |  |  |  | 3158536994 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 22 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Association Lien - Non-Super Lien<br>Association Lien - Non-Super Lien | XXXX |
| XXXX |  |  |  | 3158536998 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537006 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 | XXXX | XXXX |  |  |  |  | 2 | Subordinate Mortgage<br>Subordinate Liens/Judgments<br>IRS Lien | XXXX |
| XXXX |  |  |  | 3158537020 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 2 |  |  |  | 0 |  |  | 2 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - Title Policy Coverage<br>Subordinate Mortgage<br>Utility Lien<br>Code Violation | XXXX |
| XXXX |  |  |  | 3158537027 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 25 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537037 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158537046 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537054 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 26 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 2 | XXXX | XXXX |  |  |  |  | 2 | Subordinate Liens/Judgments<br>IRS Lien<br>Subordinate Mortgage<br>Subordinate Mortgage<br>IRS Lien | XXXX |
| XXXX |  |  |  | 3158537067 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 22 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537071 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 22 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158537079 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 28 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 3 | XXXX | XXXX |  |  |  |  | 2 | Subordinate Liens/Judgments<br>IRS Lien<br>IRS Lien<br>IRS Lien | XXXX |
| XXXX |  |  |  | 3158537086 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 24 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537091 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537109 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 22 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158537112 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 23 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158537113 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537124 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537140 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158537144 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537184 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537189 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158537199 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537200 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 3 |  |  |  | 0 |  |  | 3 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Code Violation<br>Code Violation<br>Code Violation | XXXX |
| XXXX |  |  |  | 3158537203 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537207 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537216 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Property Tax Lien | XXXX |
| XXXX |  |  |  | 3158537217 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 23 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537238 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537250 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158537282 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 24 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537290 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 4 |  |  |  | 0 |  |  | 4 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - Title Policy Coverage<br>Subordinate Liens/Judgments<br>Code Enforcement Notice<br>Utility Lien<br>Utility Lien<br>Utility Lien | XXXX |
| XXXX |  |  |  | 3158537291 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537328 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 | XXXX | XXXX |  |  |  |  | 2 | Subordinate Liens/Judgments<br>IRS Lien | XXXX |
| XXXX |  |  |  | 3158537333 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537339 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537358 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537362 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537386 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537394 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537397 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 3 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Co-Op Property | XXXX |
| XXXX |  |  |  | 3158537411 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537429 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537451 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Liens/Judgments<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158537452 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158537453 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537457 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Borrower Estate Transfer | XXXX |
| XXXX |  |  |  | 3158537463 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537478 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158537479 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158537507 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537520 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537523 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537527 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Utility Lien | XXXX |
| XXXX |  |  |  | 3158537541 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537545 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158537573 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537575 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537580 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537596 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537611 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158537628 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158537635 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass |  | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subject Mortgage Released/Satisfied | XXXX |
| XXXX |  |  |  | 3158537638 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Liens/Judgments<br>Prior Mortgage - No Title Policy Coverage<br>PACE Assessment | XXXX |
| XXXX |  |  |  | 3158537645 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537656 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158537661 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | 1 | 2 |  |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Liens/Judgments<br>Prior Lien - No Title Policy Coverage<br>Partial Release | XXXX |
| XXXX |  |  |  | 3158537667 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537669 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 2 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Borrower Estate Transfer<br>Delinquent Property Taxes<br>Partial Release | XXXX |
| XXXX |  |  |  | 3158537688 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 24 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust<br>Subordinate Liens/Judgments<br>Subordinate Mortgage<br>Subordinate Mortgage<br>Subordinate Mortgage<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537710 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 29 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158537713 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 25 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537758 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537763 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537796 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158537797 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537806 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Fail | Pass | 2 | 2 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Liens/Judgments<br>Prior Mortgage - No Title Policy Coverage<br>Prior Mortgage - No Title Policy Coverage<br>Property Tax Lien | XXXX |
| XXXX |  |  |  | 3158537808 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537809 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537812 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158537814 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537818 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537819 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158537829 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Mortgage<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158537834 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158537841 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Borrower Estate Transfer | XXXX |
| XXXX |  |  |  | 3158537845 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537857 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537865 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537870 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537871 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158537882 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537891 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Mortgage<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158537915 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537932 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537945 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537956 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage<br>Prior Mortgage - No Title Policy Coverage<br>Property Tax Lien | XXXX |
| XXXX |  |  |  | 3158537958 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158537989 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 2 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Liens/Judgments<br>Utility Lien<br>Partial Release | XXXX |
| XXXX |  |  |  | 3158537990 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537997 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538000 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538001 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158538006 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538013 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538018 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158538025 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538026 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158538037 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538050 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538064 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158538068 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158538073 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538078 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 | XXXX | XXXX |  |  |  |  | 2 | Subordinate Liens/Judgments<br>IRS Lien | XXXX |
| XXXX |  |  |  | 3158538083 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538098 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538115 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158538118 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158538122 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538125 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Liens/Judgments<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158538131 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158538136 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Property Tax Lien | XXXX |
| XXXX |  |  |  | 3158538143 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538148 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158538171 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158538193 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538195 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158538214 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Liens/Judgments<br>Code Violation | XXXX |
| XXXX |  |  |  | 3158538218 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Association Foreclosure | XXXX |
| XXXX |  |  |  | 3158538228 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538238 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Lis Pendens/Foreclosure Action<br>Transferred to Land Trust<br>Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158538249 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538251 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538261 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage<br>Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158538277 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538302 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158538304 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538306 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Pass | Pass | Pass | 1 | 7 |  |  |  | 1 | XXXX | XXXX | 6 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | ECB Violation(s)<br>ECB Violation(s)<br>Prior Lien - No Title Policy Coverage<br>ECB Violation(s)<br>ECB Violation(s)<br>ECB Violation(s)<br>ECB Violation(s) | XXXX |
| XXXX |  |  |  | 3158538312 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158538324 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX |  |  |  | 3158538327 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538329 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538348 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Association Lien - Non-Super Lien | XXXX |
| XXXX |  |  |  | 3158538351 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538352 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538364 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158538378 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538379 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158538381 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538382 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158538385 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | XXXX |
| XXXX |  |  |  | 3158538391 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Liens/Judgments<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158538392 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158538394 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Fail | 1 | 2 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Association Lien - Super Lien State<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158538399 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158538419 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538421 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Property Address Discrepancy<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158538424 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538427 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 | XXXX | XXXX |  |  |  |  | 2 | Subordinate Liens/Judgments<br>IRS Lien | XXXX |
| XXXX |  |  |  | 3158538438 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538439 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158538455 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158538465 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538466 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Association Lien - Non-Super Lien<br>Association Lien - Non-Super Lien<br>Association Lien - Non-Super Lien<br>Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158538477 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX |  |  |  | 3158538485 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538496 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Association Lien - Non-Super Lien<br>Association Lien - Non-Super Lien<br>Association Lien - Non-Super Lien<br>Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158538501 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Association Lien - Super Lien State | XXXX |
| XXXX |  |  |  | 3158538507 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 4 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158538514 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Inter-Family Deed Transfer<br>PACE Assessment | XXXX |
| XXXX |  |  |  | 3158538542 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538550 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158538560 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Borrower Estate Transfer | XXXX |
| XXXX |  |  |  | 3158538572 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158538583 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538586 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158538600 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538604 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538617 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158538619 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - No Title Policy Coverage<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158538632 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538649 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Prior Mortgage - Title Policy Coverage<br>Prior Mortgage - Title Policy Coverage<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158538653 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158538655 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158538656 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158538660 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538670 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538674 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158538678 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX |  |  |  | 3158538689 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158538695 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 4 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158538708 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158538709 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538710 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX |  |  |  | 3158538713 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538717 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158538723 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158538730 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 2 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158538745 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Borrower Estate Transfer | XXXX |
| XXXX |  |  |  | 3158538751 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538752 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538769 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158538794 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158538801 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538807 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158538823 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538827 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538829 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158538839 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158538840 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538846 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538854 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538861 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158538867 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 4 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538870 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX |  |  |  | 3158538890 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538895 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158538904 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158538909 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 4 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538910 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538924 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158538937 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Fail | 2 | 3 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Prior Mortgage - No Title Policy Coverage<br>Delinquent Property Taxes<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158538940 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538951 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538952 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158538962 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | XXXX |
| XXXX |  |  |  | 3158538963 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538988 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538996 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158539041 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539051 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539056 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539070 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Inter-Family Deed Transfer<br>Prior Mortgage - No Title Policy Coverage<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158539079 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158539080 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158539092 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539101 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 4 | 3 | 3 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage<br>Prior Mortgage - No Title Policy Coverage<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158539117 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539118 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539127 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158539137 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539139 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539156 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539176 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Missing Origination Deed |  |  |  | 3 | Inter-Family Deed Transfer<br>Missing Origination Deed | XXXX |
| XXXX |  |  |  | 3158539177 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 2 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158539187 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539189 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539190 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539198 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | XXXX |
| XXXX |  |  |  | 3158539213 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539226 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158539236 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539248 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539266 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539272 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158539275 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158539282 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158539285 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Borrower Estate Transfer | XXXX |
| XXXX |  |  |  | 3158539294 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage<br>Subordinate Mortgage<br>Inter-Family Deed Transfer | XXXX |
| XXXX |  |  |  | 3158539299 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage<br>Utility Lien | XXXX |
| XXXX |  |  |  | 3158539310 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539314 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158539316 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 3 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158539322 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539325 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539327 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158539328 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539333 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539354 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539358 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539359 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Association Lien - Non-Super Lien | XXXX |
| XXXX |  |  |  | 3158539365 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539366 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Fail | Fail | Pass | Pass | Pass | 1 | 4 |  |  |  | 3 | XXXX | XXXX | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Mello-Roos Assessment<br>Prior Lien - No Title Policy Coverage<br>Prior Lien - No Title Policy Coverage<br>Utility Lien<br>Prior Lien - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158539371 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Mortgage<br>Code Violation | XXXX |
| XXXX |  |  |  | 3158539385 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539391 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539398 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158539408 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 3 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Co-Op Property<br>ECB Violation(s) | XXXX |
| XXXX |  |  |  | 3158539410 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158539418 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158539423 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Fail | Pass | Pass | Pass | 2 | 2 | 1 | XXXX | XXXX | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage<br>PACE Assessment | XXXX |
| XXXX |  |  |  | 3158539435 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158539438 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 4 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158539455 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158539457 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158539463 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539469 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539476 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX |  |  |  | 3158539494 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158539496 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158539524 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158539533 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539534 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539535 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539560 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539566 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158539589 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539590 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158539591 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | PACE Assessment | XXXX |
| XXXX |  |  |  | 3158539595 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Liens/Judgments<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158539597 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539602 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539603 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Fail | 2 | 2 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Prior Mortgage - No Title Policy Coverage<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158539607 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539608 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158539612 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158539616 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158539625 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539630 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX | Fail | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass |  | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subject Mortgage Not Recorded | XXXX |
| XXXX |  |  |  | 3158539663 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158539666 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539668 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158539674 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539678 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539687 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539690 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Fail | Fail | 1 | 5 |  |  |  | 0 |  |  | 2 | XXXX | XXXX | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Liens/Judgments<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>ECB Violation(s)<br>ECB Violation(s)<br>Property Tax Sale Certificate | XXXX |
| XXXX |  |  |  | 3158539691 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158539694 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539695 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158539699 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158539700 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539717 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Fail | 1 | 4 |  |  |  | 0 |  |  | 0 |  |  | 2 | XXXX | XXXX | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Property Tax Lien<br>Property Tax Lien<br>Delinquent Property Taxes<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158539736 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage<br>Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158539743 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Mortgage<br>Subordinate Mortgage<br>Utility Lien | XXXX |
| XXXX |  |  |  | 3158539744 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158539769 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539774 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy<br>Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158539777 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539782 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158539783 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539784 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539788 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust<br>Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158539805 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539813 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539824 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539826 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539828 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158539829 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539844 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Borrower Estate Transfer<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158539855 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539861 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539863 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | XXXX |
| XXXX |  |  |  | 3158539867 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage<br>Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158539875 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158539885 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539889 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158539893 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Partial Release | XXXX |
| XXXX |  |  |  | 3158539895 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 5 |  |  |  | 0 |  |  | 5 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Mortgage<br>Subordinate Mortgage<br>Utility Lien<br>Utility Lien<br>Demolition Action<br>Code Enforcement Notice<br>Code Enforcement Notice | XXXX |
| XXXX |  |  |  | 3158539902 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Borrower Estate Transfer | XXXX |
| XXXX |  |  |  | 3158539904 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539911 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Liens/Judgments<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158539915 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158539919 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Inter-Family Deed Transfer | XXXX |
| XXXX |  |  |  | 3158539927 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539932 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158539933 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539938 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158539943 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 22 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539947 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | XXXX |
| XXXX |  |  |  | 3158539956 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158539979 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158539981 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539982 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158539987 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158539992 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539997 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540023 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 3 | Transferred to Land Trust<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540031 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540040 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Mortgage<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158540044 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158540054 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540071 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540093 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540095 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540098 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540100 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540104 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540125 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Mortgage<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540130 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540146 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540153 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158540167 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540174 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 2 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540197 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158540209 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540217 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540221 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540230 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Utility Lien | XXXX |
| XXXX |  |  |  | 3158540242 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158540244 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540248 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540252 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Inter-Family Deed Transfer<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158540254 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540260 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540306 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158540309 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540310 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158540312 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540323 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX | Fail | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass |  | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subject Mortgage Not Recorded | XXXX |
| XXXX |  |  |  | 3158540326 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540354 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 2 |  |  |  | 0 |  |  | 2 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Mortgage<br>Inter-Family Deed Transfer<br>Code Enforcement Notice<br>Demolition Action | XXXX |
| XXXX |  |  |  | 3158540363 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - No Title Policy Coverage<br>Subordinate Mortgage<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158540366 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540367 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540368 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540371 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540375 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540385 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540391 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Liens/Judgments<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158540397 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Mortgage<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540399 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158540414 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540416 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540419 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540440 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 26 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158540447 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540450 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540451 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 16 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540466 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 24 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158540473 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540475 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540483 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540488 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540495 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540499 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540508 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540511 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158540519 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158540524 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158540532 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540541 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540568 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540573 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 5 | 4 | 4 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage<br>Prior Mortgage - No Title Policy Coverage<br>Prior Mortgage - No Title Policy Coverage<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540578 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540580 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540583 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - No Title Policy Coverage<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540586 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Origination Vesting - Partial Interest | XXXX |
| XXXX |  |  |  | 3158540599 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540623 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Inter-Family Deed Transfer<br>Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158540627 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540637 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540643 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540648 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540649 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540654 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158540667 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540668 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158540674 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX |  |  |  | 3158540681 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540682 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX |  |  |  | 3158540692 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust<br>Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540696 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540702 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540713 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 2 |  |  |  | 0 |  |  | 2 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Utility Lien<br>Utility Lien | XXXX |
| XXXX |  |  |  | 3158540766 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540770 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540775 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540780 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Mortgage<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158540786 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540841 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540850 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540853 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Prior Mortgage - Title Policy Coverage<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158540857 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540864 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540872 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158540877 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540883 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540908 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX |  |  |  | 3158540918 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540920 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158540925 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540928 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540935 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540945 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540946 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158540953 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540958 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540969 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540970 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540971 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158540977 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540985 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540995 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158541005 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541016 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541017 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541022 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541023 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Association Lien - Non-Super Lien | XXXX |
| XXXX |  |  |  | 3158541025 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 2 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158541037 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX |  |  |  | 3158541041 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | XXXX |
| XXXX |  |  |  | 3158541057 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158541069 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541077 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541082 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158541085 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158541089 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Association Lien - Non-Super Lien | XXXX |
| XXXX |  |  |  | 3158541092 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541103 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541105 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541106 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541110 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541111 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541141 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541142 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541148 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541149 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Property Address Discrepancy | XXXX |
| XXXX |  |  |  | 3158541151 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158541152 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541155 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541158 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541161 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158541173 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158541179 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541182 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158541189 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX |  |  |  | 3158541194 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541195 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541199 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541209 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541227 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158541235 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541236 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158541247 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158541248 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158541249 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541255 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541261 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | 1 | 5 |  |  |  | 0 |  |  | 0 |  |  | 5 | XXXX | XXXX | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Property Tax Lien<br>Property Tax Lien<br>Property Tax Lien<br>Property Tax Lien<br>Property Tax Lien | XXXX |
| XXXX |  |  |  | 3158541263 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541264 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Borrower Estate Transfer | XXXX |
| XXXX |  |  |  | 3158541298 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541313 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541320 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Liens/Judgments<br>Prior Lien - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541329 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541339 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158541343 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541345 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541349 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158541351 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541367 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541369 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541370 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541372 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158541379 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541380 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158541383 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541395 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | PACE Assessment | XXXX |
| XXXX |  |  |  | 3158541397 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158541403 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541406 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Property Address Discrepancy<br>Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158541408 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158541416 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158541433 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158541442 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541443 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX | Fail | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass |  | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subject Mortgage Not Recorded | XXXX |
| XXXX |  |  |  | 3158541444 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158541457 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541462 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541481 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541491 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158541494 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | XXXX |
| XXXX |  |  |  | 3158541504 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541539 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541542 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158541552 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158541570 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541572 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541590 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541592 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541596 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541598 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541604 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541616 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541619 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158541621 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541624 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541642 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541646 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 | XXXX | XXXX |  |  |  |  | 2 | Subordinate Liens/Judgments<br>IRS Lien | XXXX |
| XXXX |  |  |  | 3158541665 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Property Address Discrepancy<br>Subordinate Liens/Judgments<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541667 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541674 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541678 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Fail | Pass | Pass | Fail | 2 | 4 | 1 | XXXX | XXXX | 0 |  |  | 2 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Prior Mortgage - No Title Policy Coverage<br>ECB Violation(s)<br>ECB Violation(s)<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158541682 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Liens/Judgments<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158541697 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541699 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541714 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541725 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Fail | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass |  | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Property Address Discrepancy<br>Subordinate Mortgage<br>Subject Mortgage Released/Satisfied | XXXX |
| XXXX |  |  |  | 3158541726 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158541731 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541739 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541741 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158541745 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541748 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541754 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541756 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541760 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541811 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541812 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Borrower Estate Transfer<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158541814 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Fail | 1 | 24 |  |  |  | 0 |  |  | 23 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Prior Mortgage - Title Policy Coverage<br>Subordinate Mortgage<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Utility Lien<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158541835 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541855 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158541858 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Liens/Judgments<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541859 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - No Title Policy Coverage<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541866 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541869 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541874 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 3 | 2 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - Title Policy Coverage<br>Prior Mortgage - No Title Policy Coverage<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541877 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158541903 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158541918 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 2 |  |  |  | 0 |  |  | 2 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | PACE Assessment<br>PACE Assessment | XXXX |
| XXXX |  |  |  | 3158541930 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541939 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158541941 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541953 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541956 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541978 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541992 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158541999 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542000 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542019 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542024 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158542035 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158542036 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage<br>Prior Lien - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158542038 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 2 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158542042 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542050 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158542065 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542069 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542072 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158542077 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542082 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Fail | 2 | 2 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Prior Mortgage - No Title Policy Coverage<br>Prior Mortgage - No Title Policy Coverage<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158542085 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542111 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542122 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Liens/Judgments<br>Prior Lien - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158542128 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 2 | XXXX | XXXX |  |  |  |  | 2 | Subordinate Liens/Judgments<br>IRS Lien<br>IRS Lien | XXXX |
| XXXX |  |  |  | 3158542129 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Fail | 2 | 2 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Liens/Judgments<br>Prior Mortgage - No Title Policy Coverage<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158542130 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158542138 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Inter-Family Deed Transfer | XXXX |
| XXXX |  |  |  | 3158542150 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Property Address Discrepancy<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158542181 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542183 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542202 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542220 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158542222 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542237 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542246 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542256 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Mortgage<br>Subordinate Mortgage<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158542257 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542259 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542264 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542269 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542272 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Liens/Judgments<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158542278 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust<br>Prior Lien - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158542289 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542308 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Liens/Judgments<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158542313 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 2 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158542321 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542323 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Liens/Judgments<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158542340 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542344 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542352 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542365 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542379 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158542382 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542386 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542387 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542395 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Demolition Action | XXXX |
| XXXX |  |  |  | 3158542401 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158542407 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542410 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542431 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542436 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage<br>Code Violation | XXXX |
| XXXX |  |  |  | 3158542442 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542477 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542484 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Liens/Judgments<br>Origination Vesting - Partial Interest | XXXX |
| XXXX |  |  |  | 3158542486 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542492 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158542497 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158542512 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158542513 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158542517 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158542519 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542526 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158542527 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542532 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158542534 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Code Violation | XXXX |
| XXXX |  |  |  | 3158542552 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Borrower Estate Transfer<br>Partial Release | XXXX |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC ID** | **Client LN** | **Seller LN** | **Loan ID** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Origination Balance** | **Origination Date** | **Unique Exception ID** | **Exception Grade** | **Raw Exception Grade** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **SOL Expired** | **SOL Expiration Date** | **Title Policy** | **Title Policy Insurer** | **Title Policy Effective Date** | **Title Policy Exception** | **Paid on HUD** | **CBR Status** | **Borrower Vested on Title Policy** | **Lien Amount** | **Accrual Rate** | **Lienholder** | **Recording Date** | **Additional Exception Information** |
| XXXX |  |  | 3158536807 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33501608 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158536807 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33501609 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158536812 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504499 | 2 | 2 | Title Diligence | Deed Vesting | Inter-Family Deed Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158536817 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33523472 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158536821 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33526929 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | No | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158536825 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511352 | 2 | 2 | Title Diligence | Deed Vesting | Inter-Family Deed Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158536871 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507183 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158536909 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33518859 | 2 | 2 | Title Diligence | Deed Vesting | Borrower Estate Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158536944 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511843 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158536974 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504609 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158536974 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504610 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158536994 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506467 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158536994 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507611 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158536994 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507612 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158536998 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520111 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537006 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512481 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537006 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512653 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537006 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512890 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537020 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33501669 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | No | No | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537020 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33501671 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537020 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33501674 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537020 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33501716 | 3 | 3 | Title Diligence | Municipal Lien | Code Violation |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537027 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521379 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537027 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521390 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537037 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513228 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537054 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513267 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537054 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513269 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537054 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513271 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537054 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513274 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537054 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513276 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537071 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33501717 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537079 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520294 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537079 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520296 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537079 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520297 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537079 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520298 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537109 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507732 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537112 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33501759 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537140 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506724 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | Yes |  | Final | XXXX | XX/XX/XXXX | No | No | Closed |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537189 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507101 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537200 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513219 | 3 | 3 | Title Diligence | Municipal Lien | Code Violation |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537200 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513220 | 3 | 3 | Title Diligence | Municipal Lien | Code Violation |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537200 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513221 | 3 | 3 | Title Diligence | Municipal Lien | Code Violation |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537216 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513069 | 3 | 3 | Title Diligence | Property Tax Lien | Property Tax Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537250 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33526983 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537290 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506557 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | Yes |  | Final | XXXX | XX/XX/XXXX | No | Yes | Closed |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537290 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506565 | 3 | 3 | Title Diligence | Municipal Lien | Code Enforcement Notice |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537290 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506566 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537290 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506568 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537290 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506569 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537290 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506570 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537291 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504815 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537328 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504500 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537328 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504501 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537362 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33501687 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537397 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33526904 | 2 | 2 | Title Diligence | Deed Vesting | Co-Op Property |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537429 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504533 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537451 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519436 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537451 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519437 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158537452 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511315 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537453 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504525 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537457 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33518877 | 2 | 2 | Title Diligence | Deed Vesting | Borrower Estate Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537478 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504816 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537479 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505180 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158537527 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33501678 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537545 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504549 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537611 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506137 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537628 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504541 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537635 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519411 | 3 | 3 | Title Diligence | Subject Mortgage | Subject Mortgage Released/Satisfied |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537638 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504975 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537638 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504982 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | UTD | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537638 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504983 | 3 | 3 | Title Diligence | Municipal Lien | PACE Assessment |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537656 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511319 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537661 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33515296 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537661 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33515302 | 3 | 3 | Title Diligence | Lien Priority | Prior Lien - No Title Policy Coverage | No |  | Missing |  |  |  | No |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537661 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33515335 | 3 | 3 | Title Diligence | General | Partial Release |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537669 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504882 | 2 | 2 | Title Diligence | Deed Vesting | Borrower Estate Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537669 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504884 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158537669 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504886 | 3 | 3 | Title Diligence | General | Partial Release |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537688 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504614 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537688 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504617 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537688 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504623 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537688 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504625 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537688 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504627 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537688 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504628 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537710 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504568 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537763 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33501754 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537796 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504655 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537806 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513148 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537806 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513193 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537806 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513215 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | UTD | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537806 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513216 | 3 | 3 | Title Diligence | Property Tax Lien | Property Tax Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537812 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33501853 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537814 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511391 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537814 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511392 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537818 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504633 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537819 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33518961 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537829 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33548861 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537829 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33548863 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504637 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537841 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33501801 | 2 | 2 | Title Diligence | Deed Vesting | Borrower Estate Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537845 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33518885 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537871 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507132 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537882 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33518881 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537882 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33518883 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537891 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33555631 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537891 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33555633 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158537956 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504663 | 3 | 3 | Title Diligence | Property Tax Lien | Property Tax Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537956 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504666 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537956 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504668 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537958 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511489 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537989 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504707 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537989 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504709 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537989 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504711 | 3 | 3 | Title Diligence | General | Partial Release |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538001 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33526970 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538001 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33526971 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538018 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33518882 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33518952 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Closed |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538064 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511427 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538064 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511435 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538068 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33534108 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538078 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504683 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538078 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504685 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538115 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33501764 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538118 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511363 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538125 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504710 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538125 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33555647 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538131 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504626 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538131 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504629 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538136 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506518 | 3 | 3 | Title Diligence | Property Tax Lien | Property Tax Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538148 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504740 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538171 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504638 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538195 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504714 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538214 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519176 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538214 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519428 | 3 | 3 | Title Diligence | Municipal Lien | Code Violation |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538218 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512081 | 3 | 3 | Title Diligence | Deed Vesting | Association Foreclosure |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538238 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33527097 | 2 | 2 | Title Diligence | Miscellaneous | Lis Pendens/Foreclosure Action |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538238 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33527099 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538238 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33527101 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538261 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504783 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538261 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504805 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538302 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504717 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538306 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519433 | 3 | 3 | Title Diligence | Municipal Lien | ECB Violation(s) |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538306 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519434 | 3 | 3 | Title Diligence | Municipal Lien | ECB Violation(s) |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538306 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519435 | 3 | 3 | Title Diligence | Lien Priority | Prior Lien - No Title Policy Coverage | No |  | Missing |  |  |  | UTD |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538306 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519438 | 3 | 3 | Title Diligence | Municipal Lien | ECB Violation(s) |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538306 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519439 | 3 | 3 | Title Diligence | Municipal Lien | ECB Violation(s) |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538306 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519441 | 3 | 3 | Title Diligence | Municipal Lien | ECB Violation(s) |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538306 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519442 | 3 | 3 | Title Diligence | Municipal Lien | ECB Violation(s) |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538312 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511957 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538324 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504811 | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538348 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504726 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538348 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504728 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538364 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504806 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | Yes | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538379 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33518955 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538382 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511950 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538385 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504817 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538391 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512163 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538391 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512165 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538392 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519449 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538394 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504887 | 3 | 3 | Title Diligence | Association Lien | Association Lien - Super Lien State | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538394 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504904 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538399 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504946 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538421 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505038 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538421 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505040 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538427 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504918 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538427 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504919 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538439 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507365 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538455 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33518928 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538466 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511449 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538466 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511451 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538466 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511452 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538466 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511453 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538477 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504891 | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538496 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519555 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538496 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519557 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538496 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519561 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538496 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519563 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538501 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504945 | 2 | 3 | Title Diligence | Association Lien | Association Lien - Super Lien State | Yes | 08/07/2010 |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538507 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504963 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | Yes | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538514 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519456 | 2 | 2 | Title Diligence | Deed Vesting | Inter-Family Deed Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538514 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519458 | 3 | 3 | Title Diligence | Municipal Lien | PACE Assessment |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538550 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519406 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | No | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538550 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519410 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538560 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519226 | 2 | 2 | Title Diligence | Deed Vesting | Borrower Estate Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538572 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505028 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538586 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511969 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538617 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519495 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538619 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519662 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538619 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519663 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538649 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511589 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | No | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538649 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511590 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | Yes |  | Final | XXXX | XX/XX/XXXX | No | Yes | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538649 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511591 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538653 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519407 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538655 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504938 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538656 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519467 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538674 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511915 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538678 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505006 | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538689 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33504973 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538695 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506898 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538708 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505086 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538710 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505078 | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538717 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505126 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538717 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505144 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538723 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511517 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538730 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33708188 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538730 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33708189 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538745 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505224 | 2 | 2 | Title Diligence | Deed Vesting | Borrower Estate Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538769 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511583 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538794 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506392 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538807 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505172 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Closed |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538829 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505098 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538839 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511674 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538861 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512880 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538870 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511461 | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538895 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511962 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538904 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519506 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538924 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505127 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538937 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519487 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538937 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519488 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538937 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519489 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538952 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519440 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538962 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507350 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538996 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519513 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538996 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519514 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539070 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519604 | 2 | 2 | Title Diligence | Deed Vesting | Inter-Family Deed Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539070 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519613 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | UTD | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539070 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519615 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539079 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505295 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539080 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513341 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539101 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519778 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539101 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519786 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539101 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519787 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539127 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505164 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539176 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519680 | 3 | 3 | Title Diligence | Deed Vesting | Missing Origination Deed |  |  |  |  |  | No |  |  | Yes |  |  |  |  | XXXX |
| XXXX |  |  | 3158539176 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519681 | 2 | 2 | Title Diligence | Deed Vesting | Inter-Family Deed Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539177 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519502 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539177 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519503 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539198 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519516 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539226 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505226 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539226 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505229 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539272 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519478 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539275 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505192 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539282 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505232 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539285 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511940 | 2 | 2 | Title Diligence | Deed Vesting | Borrower Estate Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539294 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33526963 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539294 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33526964 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539294 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33526965 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539294 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33526978 | 2 | 2 | Title Diligence | Deed Vesting | Inter-Family Deed Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539299 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505261 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539299 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505262 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539314 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519551 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539314 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519556 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539316 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519664 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539316 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519668 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539316 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519670 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539327 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514017 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539359 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511543 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539359 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511544 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539366 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519689 | 3 | 3 | Title Diligence | Lien Priority | Prior Lien - No Title Policy Coverage | No |  | Missing |  |  |  | UTD |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539366 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519691 | 3 | 3 | Title Diligence | Lien Priority | Prior Lien - No Title Policy Coverage | No |  | Missing |  |  |  | UTD |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539366 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519692 | 2 | 2 | Title Diligence | Municipal Lien | Mello-Roos Assessment |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539366 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519693 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539366 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519694 | 3 | 3 | Title Diligence | Lien Priority | Prior Lien - No Title Policy Coverage | No |  | Missing |  |  |  | UTD |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539371 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505330 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539371 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505334 | 3 | 3 | Title Diligence | Municipal Lien | Code Violation |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539398 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505578 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539408 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519620 | 2 | 2 | Title Diligence | Deed Vesting | Co-Op Property |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539408 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519642 | 3 | 3 | Title Diligence | Municipal Lien | ECB Violation(s) |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539410 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511605 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539418 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505376 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539423 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507470 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539423 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507472 | 3 | 3 | Title Diligence | Municipal Lien | PACE Assessment |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539435 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511990 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539438 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519507 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539455 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511563 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539457 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505583 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539476 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505605 | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539494 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511557 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539496 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505891 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539524 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519655 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539566 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505600 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539590 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511576 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539591 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505815 | 3 | 3 | Title Diligence | Municipal Lien | PACE Assessment |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539595 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519673 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539595 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519674 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Closed |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539603 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519574 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539603 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33528523 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539608 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512079 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539612 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505788 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539616 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505794 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539630 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520067 | 3 | 3 | Title Diligence | Subject Mortgage | Subject Mortgage Not Recorded |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539663 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511596 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539668 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511647 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539690 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505931 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539690 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505932 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539690 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505933 | 3 | 3 | Title Diligence | Municipal Lien | ECB Violation(s) |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539690 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505934 | 3 | 3 | Title Diligence | Municipal Lien | ECB Violation(s) |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539690 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505936 | 3 | 3 | Title Diligence | Property Tax Lien | Property Tax Sale Certificate |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539690 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505937 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539691 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519625 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539695 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519886 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539699 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519667 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539717 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33535028 | 3 | 3 | Title Diligence | Property Tax Lien | Property Tax Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539717 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33535029 | 3 | 3 | Title Diligence | Property Tax Lien | Property Tax Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539717 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33708472 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539717 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33708474 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539736 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514315 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539736 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514317 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539736 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514348 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539743 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519638 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539743 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519643 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539743 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519646 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539744 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519669 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539774 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33564312 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539774 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33564314 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539782 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519730 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539788 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514441 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539788 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514442 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539788 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514443 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539828 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519735 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539844 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519945 | 2 | 2 | Title Diligence | Deed Vesting | Borrower Estate Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539844 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519947 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539863 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519924 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539867 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505992 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539867 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33522189 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | Yes | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539875 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512017 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539889 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506115 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539889 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506149 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539893 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511866 | 3 | 3 | Title Diligence | General | Partial Release |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539895 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512409 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539895 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512410 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539895 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512411 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539895 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512412 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539895 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512414 | 3 | 3 | Title Diligence | Municipal Lien | Demolition Action |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539895 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512416 | 3 | 3 | Title Diligence | Municipal Lien | Code Enforcement Notice |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539895 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512430 | 3 | 3 | Title Diligence | Municipal Lien | Code Enforcement Notice |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539902 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519791 | 2 | 2 | Title Diligence | Deed Vesting | Borrower Estate Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539911 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519937 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539911 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519939 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539915 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514656 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539919 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519861 | 2 | 2 | Title Diligence | Deed Vesting | Inter-Family Deed Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539932 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519868 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539938 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519812 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539947 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33505993 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539956 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520095 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539979 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514997 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539982 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506076 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539987 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511679 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519927 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519929 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540040 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514406 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540040 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514534 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158540044 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519970 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540044 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33519992 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540095 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506101 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540125 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506216 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540125 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506218 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540146 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506118 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540153 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506107 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540174 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506180 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540197 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33536909 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540197 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33536910 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540221 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511846 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540230 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512103 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540242 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506319 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540248 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506222 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | Yes | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540252 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520167 | 2 | 2 | Title Diligence | Deed Vesting | Inter-Family Deed Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540252 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520169 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540260 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520035 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540306 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514053 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540310 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520017 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540323 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520153 | 3 | 3 | Title Diligence | Subject Mortgage | Subject Mortgage Not Recorded |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540326 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33531764 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Commitment | XXXX |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540354 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512284 | 3 | 3 | Title Diligence | Municipal Lien | Code Enforcement Notice |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540354 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512286 | 3 | 3 | Title Diligence | Municipal Lien | Demolition Action |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540354 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512287 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540354 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512290 | 2 | 2 | Title Diligence | Deed Vesting | Inter-Family Deed Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540363 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506303 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540363 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506304 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540363 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506305 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540366 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506254 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540371 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520025 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540375 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520082 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540391 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520182 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540391 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520183 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158540397 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506323 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | Yes | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540397 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506324 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540399 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506310 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540440 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506491 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540450 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506372 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Commitment | XXXX |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540466 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506377 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540466 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506378 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540475 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520097 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540483 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506411 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540488 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506728 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540511 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514924 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540511 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514928 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540519 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520213 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158540524 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511644 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540541 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506699 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | No | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540573 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520238 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540573 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520240 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540573 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520242 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Closed |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540573 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520243 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Closed |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540583 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514197 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540583 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514198 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540586 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520266 | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Partial Interest |  |  | Missing |  |  | No |  |  | UTD |  |  |  |  | XXXX |
| XXXX |  |  | 3158540623 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33549046 | 2 | 2 | Title Diligence | Deed Vesting | Inter-Family Deed Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540623 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33549048 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540623 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33549049 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540627 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507739 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540654 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520173 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540668 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33541162 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158540674 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520198 | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540682 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33892356 | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540692 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506592 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540692 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506593 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540713 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511626 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540713 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511627 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540780 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506761 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540780 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506762 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158540841 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520290 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540850 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33531238 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Closed |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540853 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520428 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540853 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520430 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | No | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540853 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520431 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540872 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33563080 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540883 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506657 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540908 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520394 | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540920 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520379 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158540928 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520282 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540945 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506782 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540946 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33544964 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158540953 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33527079 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540958 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512455 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540969 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33522219 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | Yes |  | Short | XXXX | XX/XX/XXXX | No | Yes | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540971 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520420 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540995 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506771 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541022 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520340 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33501769 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33501770 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506701 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158541025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506702 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158541037 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506763 | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541041 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520303 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541057 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514344 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541057 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514345 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541077 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520386 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541082 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520338 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541085 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512369 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541089 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507677 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541089 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507678 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541103 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520383 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Closed |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541142 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520523 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Closed |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541149 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514039 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541149 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514041 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541151 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506791 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541151 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506795 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541161 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511645 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541173 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512231 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158541182 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512156 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541182 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512158 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541189 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506819 | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541199 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520597 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541227 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506873 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541227 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506874 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541236 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511678 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541247 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33528529 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158541248 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506867 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541261 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520576 | 3 | 3 | Title Diligence | Property Tax Lien | Property Tax Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541261 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520579 | 3 | 3 | Title Diligence | Property Tax Lien | Property Tax Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541261 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520580 | 3 | 3 | Title Diligence | Property Tax Lien | Property Tax Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541261 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520581 | 3 | 3 | Title Diligence | Property Tax Lien | Property Tax Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541261 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520583 | 3 | 3 | Title Diligence | Property Tax Lien | Property Tax Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541263 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33537485 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | Yes | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541264 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33561503 | 2 | 2 | Title Diligence | Deed Vesting | Borrower Estate Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541320 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520616 | 3 | 3 | Title Diligence | Lien Priority | Prior Lien - No Title Policy Coverage | No |  | Missing |  |  |  | UTD |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541320 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520620 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541339 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33506876 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541349 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507025 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541372 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520525 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541380 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514907 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541380 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33514908 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541395 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507013 | 3 | 3 | Title Diligence | Municipal Lien | PACE Assessment |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541397 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520686 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541397 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520689 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541406 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520582 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541406 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520585 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541408 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33528309 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541408 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33528312 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541416 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512182 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541433 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520569 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541443 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512373 | 3 | 3 | Title Diligence | Subject Mortgage | Subject Mortgage Not Recorded |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541444 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520701 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541491 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520748 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541494 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520680 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541539 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33522343 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | Yes |  | Short | XXXX | XX/XX/XXXX | No | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541542 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520775 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541552 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507091 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541598 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520801 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541616 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511772 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541619 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511851 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541646 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520736 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541646 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520737 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541665 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507029 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541665 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507030 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541665 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507031 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541667 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521407 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  |  |  |  |  | No | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541678 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520784 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541678 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520785 | 3 | 3 | Title Diligence | Municipal Lien | ECB Violation(s) |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541678 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520787 | 3 | 3 | Title Diligence | Municipal Lien | ECB Violation(s) |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541678 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520788 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158541682 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520799 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541682 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520800 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158541697 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511900 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541697 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511902 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541725 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507190 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541725 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507197 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541725 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507209 | 3 | 3 | Title Diligence | Subject Mortgage | Subject Mortgage Released/Satisfied |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541726 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521145 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541741 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507336 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541741 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507337 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541756 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511778 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541812 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512530 | 2 | 2 | Title Diligence | Deed Vesting | Borrower Estate Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541812 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512531 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521001 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | No | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521036 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521049 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521050 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521051 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521052 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521053 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521054 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521055 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521058 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521059 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521061 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521064 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521065 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521068 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521070 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521072 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521073 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521074 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521075 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521076 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521077 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521078 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521080 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521081 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541834 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33563749 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158541855 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507181 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158541858 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521015 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541858 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521016 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541859 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521028 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541859 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521030 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541874 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521114 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541874 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521115 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | Yes | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541874 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521116 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | Yes | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541877 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521138 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541903 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507099 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541918 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507376 | 3 | 3 | Title Diligence | Municipal Lien | PACE Assessment |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541918 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507377 | 3 | 3 | Title Diligence | Municipal Lien | PACE Assessment |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541939 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33520969 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541992 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521027 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521048 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542035 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507275 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542036 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507237 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542036 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507238 | 3 | 3 | Title Diligence | Lien Priority | Prior Lien - No Title Policy Coverage | No |  | Missing |  |  |  | UTD |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542038 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507272 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158542038 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507273 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158542050 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33515291 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158542072 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521173 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542082 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521263 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | UTD | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542082 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521268 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542082 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33563779 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158542122 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511876 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542122 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33511877 | 3 | 3 | Title Diligence | Lien Priority | Prior Lien - No Title Policy Coverage | No |  | Missing |  |  |  | No |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542128 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521193 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542128 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521195 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542128 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521199 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542129 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521157 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542129 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521159 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542129 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521161 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158542130 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521200 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542138 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33528198 | 2 | 2 | Title Diligence | Deed Vesting | Inter-Family Deed Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542150 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507536 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542150 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33507549 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542220 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521352 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542256 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521355 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Closed |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542256 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521362 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542256 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521363 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542272 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512505 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542272 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512506 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  |  |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542278 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512620 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542278 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512621 | 2 | 3 | Title Diligence | Lien Priority | Prior Lien - No Title Policy Coverage | Yes |  | Commitment | XXXX |  |  | UTD |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542308 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521493 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158542308 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521494 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542313 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521225 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158542313 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521226 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158542323 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521367 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542323 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521368 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158542379 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521254 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542395 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521366 | 3 | 3 | Title Diligence | Municipal Lien | Demolition Action |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542401 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512538 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542436 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521286 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542436 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521299 | 3 | 3 | Title Diligence | Municipal Lien | Code Violation |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542484 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521449 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542484 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521490 | 3 | 3 | Title Diligence | Deed Vesting | Origination Vesting - Partial Interest |  |  | Final | XXXX | XX/XX/XXXX | No |  |  | No |  |  |  |  | XXXX |
| XXXX |  |  | 3158542492 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33512984 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542497 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513029 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542512 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513077 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542513 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513147 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542517 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521369 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542517 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521372 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | UTD | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542526 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513368 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Commitment | XXXX |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542526 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513372 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Commitment | XXXX |  |  | UTD | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542532 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521348 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542534 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33513101 | 3 | 3 | Title Diligence | Municipal Lien | Code Violation |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542552 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521346 | 2 | 2 | Title Diligence | Deed Vesting | Borrower Estate Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542552 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33521347 | 3 | 3 | Title Diligence | General | Partial Release |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXXX |

---

## Exhibit 99.3

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

 **Exhibit 99.3 - Schedule 4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOANUID** | **LOANID** | **LOANID2** | **Alternate Loan ID** | **First Payment Date** | **Data Cutoff Date** | **Pay History Scope** | **Pay History Summary (MBA)** | **Months of Data Missing During Lookback** | **Delinquency During Lookback** |
|  |  |  | 3158536802 | XX/XX/XXXX | 04/30/2025 | 36 | 000000010000000010000101001101111000 | 0 | 10 |
|  |  |  | 3158536807 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000111100001111110000000 | 0 | 10 |
|  |  |  | 3158536839 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158536844 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158536871 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000010000100100000999999 | 0 | 9 |
|  |  |  | 3158536890 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000010000000000000000000 | 0 | 1 |
|  |  |  | 3158536891 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000001111112343321112321 | 0 | 19 |
|  |  |  | 3158536920 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000654321000000000000000 | 0 | 6 |
|  |  |  | 3158536921 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000001111111111111111000000 | 0 | 16 |
|  |  |  | 3158536944 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000001100000100000000100 | 0 | 4 |
|  |  |  | 3158536951 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000009999876543210000000000 | 0 | 12 |
|  |  |  | 3158536970 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000222 | 0 | 3 |
|  |  |  | 3158536973 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000112211101101111011100 | 0 | 16 |
|  |  |  | 3158536974 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000001000000000000000001 | 0 | 2 |
|  |  |  | 3158536998 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000001100000000010000000 | 0 | 3 |
|  |  |  | 3158537006 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000100000000000000000000 | 0 | 1 |
|  |  |  | 3158537020 | XX/XX/XXXX | 04/30/2025 | 36 | 000000010000000101321000000000000000 | 0 | 6 |
|  |  |  | 3158537027 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000006543214321000009877654 | 0 | 17 |
|  |  |  | 3158537037 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000001000000001000000000 | 0 | 2 |
|  |  |  | 3158537054 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000005543332110011012111 | 0 | 16 |
|  |  |  | 3158537067 | XX/XX/XXXX | 04/30/2025 | 36 | 000000010000000011111100000000000000 | 0 | 7 |
|  |  |  | 3158537071 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000887665432111111212233 | 0 | 21 |
|  |  |  | 3158537079 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000100000000000001000000 | 0 | 2 |
|  |  |  | 3158537086 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000002111000000000000000 | 0 | 4 |
|  |  |  | 3158537091 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000043233232001000000000 | 0 | 9 |
|  |  |  | 3158537112 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000100100010000110000000 | 0 | 5 |
|  |  |  | 3158537113 | XX/XX/XXXX | 04/30/2025 | 36 | 000000010000000101122111010000000000 | 0 | 10 |
|  |  |  | 3158537124 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000001000000000000000000000 | 0 | 1 |
|  |  |  | 3158537140 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537144 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537184 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000010000000000010000001 | 0 | 3 |
|  |  |  | 3158537199 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000001111111111100000100 | 0 | 12 |
|  |  |  | 3158537203 | XX/XX/XXXX | 04/30/2025 | 36 | 000000100000001100000000000000000009 | 0 | 4 |
|  |  |  | 3158537216 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000002110111111111111121 | 0 | 18 |
|  |  |  | 3158537217 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000066665432221121111001 | 0 | 18 |
|  |  |  | 3158537238 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537250 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000001111111111111100000000 | 0 | 14 |
|  |  |  | 3158537282 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000001111100100000000000 | 0 | 6 |
|  |  |  | 3158537290 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000100000000000001000000 | 0 | 2 |
|  |  |  | 3158537328 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000001000000000000000000000 | 0 | 1 |
|  |  |  | 3158537339 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000007655432221111000000 | 0 | 13 |
|  |  |  | 3158537362 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000011100000000011110000 | 0 | 7 |
|  |  |  | 3158537386 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000001111111111111111000000 | 0 | 16 |
|  |  |  | 3158537394 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000009876544432100000000 | 0 | 11 |
|  |  |  | 3158537397 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000001111100000100101010000 | 0 | 9 |
|  |  |  | 3158537411 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537429 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537451 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000033322 | 0 | 5 |
|  |  |  | 3158537452 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537453 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537463 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537478 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537479 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537507 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537520 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537527 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537541 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537545 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537573 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537575 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537580 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537596 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537611 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537645 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537656 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537661 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537667 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537669 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537688 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000001111110000000001111 | 0 | 10 |
|  |  |  | 3158537710 | XX/XX/XXXX | 04/30/2025 | 36 | 000000010000001100000022110110000000 | 0 | 9 |
|  |  |  | 3158537758 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537763 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537796 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537797 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537806 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537808 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537809 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537812 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537819 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000001000000000000000000 | 0 | 1 |
|  |  |  | 3158537829 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000100010032110000 | 0 | 6 |
|  |  |  | 3158537834 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537841 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537857 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537865 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537870 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537882 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537891 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000022322132122221111 | 0 | 17 |
|  |  |  | 3158537932 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537956 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537989 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000111110000000000 | 0 | 5 |
|  |  |  | 3158537997 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538001 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538013 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538018 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538025 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538050 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538073 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538078 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538083 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538115 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538118 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000099999999876543216876 | 0 | 20 |
|  |  |  | 3158538122 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000333210000000005 | 0 | 6 |
|  |  |  | 3158538125 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000001111111100000000 | 0 | 8 |
|  |  |  | 3158538131 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538171 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538193 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538195 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538218 | XX/XX/XXXX | 04/30/2025 | 36 | 000000010000000000000000000000000000 | 0 | 1 |
|  |  |  | 3158538228 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538261 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538302 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538312 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538324 | XX/XX/XXXX | 04/30/2025 | 36 | 000000011000000000000000000199999998 | 0 | 11 |
|  |  |  | 3158538329 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538348 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538351 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538352 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538364 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538381 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000001110011110 | 0 | 7 |
|  |  |  | 3158538385 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538391 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538394 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000001010000010000000000 | 0 | 3 |
|  |  |  | 3158538399 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538419 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000001111 | 0 | 4 |
|  |  |  | 3158538421 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538427 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538438 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538439 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538465 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538466 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538477 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538485 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000010000000 | 0 | 1 |
|  |  |  | 3158538501 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538507 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538514 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538542 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538572 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538583 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538600 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538604 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538617 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538619 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538649 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538653 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538655 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000010000000000000000 | 0 | 1 |
|  |  |  | 3158538660 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538670 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000010000000000000 | 0 | 1 |
|  |  |  | 3158538674 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538678 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538689 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538708 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538709 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538710 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000210000 | 0 | 2 |
|  |  |  | 3158538713 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538717 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538723 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538730 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000001000000000000000000 | 0 | 1 |
|  |  |  | 3158538745 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538751 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000001100000100011000000 | 0 | 5 |
|  |  |  | 3158538752 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538794 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538807 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538823 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538827 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000043210000 | 0 | 4 |
|  |  |  | 3158538829 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538846 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000010003321010000000000 | 0 | 6 |
|  |  |  | 3158538867 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538870 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538890 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000054321054 | 0 | 7 |
|  |  |  | 3158538895 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538909 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538924 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538937 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538940 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538951 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538962 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539041 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539051 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000010000000000000 | 0 | 1 |
|  |  |  | 3158539056 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539079 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539101 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539117 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539118 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539127 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000006543 | 0 | 4 |
|  |  |  | 3158539137 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000001000000000000000000 | 0 | 1 |
|  |  |  | 3158539139 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539156 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539176 | XX/XX/XXXX | 04/30/2025 | 36 | 000000100000000000000000000000000000 | 0 | 1 |
|  |  |  | 3158539177 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539187 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539190 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000765432 | 0 | 6 |
|  |  |  | 3158539198 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539213 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539226 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000010 | 0 | 1 |
|  |  |  | 3158539248 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539266 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539275 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000100000000000000000000 | 0 | 1 |
|  |  |  | 3158539282 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539294 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000001222234455556677777 | 0 | 19 |
|  |  |  | 3158539310 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000001999 | 0 | 4 |
|  |  |  | 3158539322 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539325 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539328 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539333 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539354 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539358 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539365 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539371 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539385 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539391 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539398 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539418 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000010000 | 0 | 1 |
|  |  |  | 3158539423 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000011111100000000000 | 0 | 6 |
|  |  |  | 3158539438 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539455 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539457 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539463 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539469 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539476 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539496 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539534 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539535 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539566 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539591 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000001000000 | 0 | 1 |
|  |  |  | 3158539597 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539602 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539603 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000010000 | 0 | 1 |
|  |  |  | 3158539607 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539608 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539612 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539616 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539663 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539668 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539674 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539678 | XX/XX/XXXX | 04/30/2025 | 36 | 000000010000000000000000000000000454 | 0 | 4 |
|  |  |  | 3158539690 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539691 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539694 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539695 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539699 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539700 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539717 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539736 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539743 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539744 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539774 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539777 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539783 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539805 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539813 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000021000000000100000000 | 0 | 3 |
|  |  |  | 3158539824 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539826 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539828 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539829 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539844 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539855 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539861 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000654443433321005443 | 0 | 16 |
|  |  |  | 3158539863 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539867 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539885 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539889 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539895 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539911 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000011110100000000000210 | 0 | 7 |
|  |  |  | 3158539919 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000001000000000000 | 0 | 1 |
|  |  |  | 3158539927 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539932 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539933 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539943 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539947 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000111110000 | 0 | 5 |
|  |  |  | 3158539956 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539981 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539982 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539992 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539997 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540023 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540031 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540040 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540071 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540093 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540095 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540100 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540125 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540130 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000011111 | 0 | 5 |
|  |  |  | 3158540146 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540153 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540167 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000011223 | 0 | 5 |
|  |  |  | 3158540174 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000009999999 | 0 | 7 |
|  |  |  | 3158540197 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540209 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540217 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000033232210000001000000 | 0 | 8 |
|  |  |  | 3158540221 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000010112321132 | 0 | 10 |
|  |  |  | 3158540242 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000100212212111010009999 | 0 | 15 |
|  |  |  | 3158540244 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540248 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540252 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540260 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540306 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540309 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540310 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540323 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540326 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540354 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540363 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540366 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540367 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540368 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540375 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000011000000 | 0 | 2 |
|  |  |  | 3158540391 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000123343210000000 | 0 | 8 |
|  |  |  | 3158540397 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540399 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540414 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540416 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540440 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540447 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000001100000000000000001110 | 0 | 5 |
|  |  |  | 3158540450 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000010000 | 0 | 1 |
|  |  |  | 3158540451 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000001000000000100000010000 | 0 | 3 |
|  |  |  | 3158540466 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000001000000000000000000000 | 0 | 1 |
|  |  |  | 3158540473 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540483 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540488 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540495 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540508 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540519 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540524 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540532 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540541 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540568 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540573 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000100000000 | 0 | 1 |
|  |  |  | 3158540578 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540583 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540599 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540627 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540637 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540648 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540649 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540654 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000009999999876544333 | 0 | 16 |
|  |  |  | 3158540667 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540668 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540674 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540681 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000210 | 0 | 2 |
|  |  |  | 3158540692 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000099999876543 | 0 | 11 |
|  |  |  | 3158540696 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540702 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540713 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540775 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540780 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540786 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540850 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540857 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540864 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540872 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540877 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540883 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540908 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540918 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540925 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540945 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540946 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540958 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540970 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540971 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540977 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540985 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540995 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541005 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541016 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541017 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541022 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541023 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541025 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541037 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541041 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541069 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541077 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541085 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541089 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000003 | 0 | 1 |
|  |  |  | 3158541092 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541103 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541105 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541106 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541110 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541111 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541141 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541142 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000002100 | 0 | 2 |
|  |  |  | 3158541148 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541149 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541155 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541161 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541179 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541189 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541194 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541195 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541227 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541235 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541236 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541247 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541248 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541261 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541263 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541264 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541313 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541320 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541329 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541339 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541343 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541349 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541351 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541367 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541369 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541372 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541379 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541380 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541383 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541395 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541397 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000999999999999999 | 0 | 15 |
|  |  |  | 3158541403 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000011223 | 0 | 5 |
|  |  |  | 3158541406 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541408 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541416 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541433 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541443 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000333232210000 | 0 | 8 |
|  |  |  | 3158541444 | XX/XX/XXXX | 04/30/2025 | 36 | 000000010000000001000000000000000032 | 0 | 4 |
|  |  |  | 3158541457 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541462 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541481 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541491 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541539 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541542 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541552 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541570 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541572 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541590 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541592 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541604 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541616 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541619 | XX/XX/XXXX | 04/30/2025 | 36 | 000000001000000000000000000000000111 | 0 | 4 |
|  |  |  | 3158541621 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541642 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000322 | 0 | 3 |
|  |  |  | 3158541646 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541665 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541667 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541674 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541678 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541699 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541714 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000321000 | 0 | 3 |
|  |  |  | 3158541725 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541726 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541739 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541741 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541745 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541748 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541756 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541760 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541811 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541812 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541814 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541834 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000111010021 | 0 | 6 |
|  |  |  | 3158541835 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541855 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541858 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541859 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541869 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541874 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541877 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541903 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541918 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541930 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541939 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541941 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541956 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541992 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541999 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000002222222222222 | 0 | 13 |
|  |  |  | 3158542000 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542019 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542024 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000100000000000000000 | 0 | 1 |
|  |  |  | 3158542036 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542038 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542042 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542050 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542069 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000001111111111111 | 0 | 13 |
|  |  |  | 3158542072 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542077 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542082 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542085 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542111 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542122 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542128 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000009 | 0 | 1 |
|  |  |  | 3158542129 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000001010100000000210010 | 0 | 6 |
|  |  |  | 3158542130 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542138 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542150 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542181 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000010000000000000000001 | 0 | 2 |
|  |  |  | 3158542183 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542202 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542220 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542222 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542237 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542256 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542257 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542259 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542264 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542269 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542272 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542289 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542308 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542321 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542323 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000010000000008889 | 0 | 5 |
|  |  |  | 3158542340 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542344 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542379 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542382 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542387 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542395 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542401 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542410 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542442 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542477 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542484 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542486 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000443333 | 0 | 6 |
|  |  |  | 3158542492 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542497 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542512 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542513 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542526 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542532 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000003211000000001110000 | 0 | 7 |
|  |  |  | 3158542534 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542552 | XX/XX/XXXX | 04/30/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |

---

---

| | | |
|:---|:---|:---|
| **Category** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| No Delinquency, No Missing Data | 409 | 77.61% |
| Delinquency, No Missing Data | 118 | 22.39% |
| No Delinquency, At Least One Month Missing | 0 | 0.00% |
| Delinquency, At Least One Month Missing | 0 | 0.00% |
| **Total** | **527** | **100.00%** |

---

## Exhibit 99.3

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

 **Exhibit 99.3 - Schedule 5**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Seller Loan ID** | **Alternate Loan ID** | **Final Current Event Level** | **Current Exceptions** | **Collection comments** |
|  |  | 3158537282 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding the general status of the loan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is fair. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537290 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for 0X/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make payment. Borrower promised to pay and schedule payment for XX/XX/XXXX in the amount of $X.XX and provide confirmation number for the same. Borrower also stated about their hardship reason due to curtailment of income which is resolved.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536802 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding a reapplied suspense and principal funds.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536807 | 1 | [1] Damaged Interior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and made payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XX. As per the comment dated XX/XX/XXXX property was damage due to XX with date of loss XX/XX/XXXX. As per the comment XX/XX/XXXX claim classified as monitor and waiting for final inspection and there is no further information available regarding XX repair were completed. Property repair is in process. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537067 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called for the general account information and agent provided it.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537328 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537339 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called borrower and informed about the final modification process been completed as borrower said will make payment setting up the auto draft.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537362 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to see if we received the refund from the insurance company. Agent spoke with insurance company who advised that borrower will be received refund.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536839 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537386 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in due to receiving notice as new insurance carrier on file. Servicer confirmed they have XXX insurance on file and payment has been sent in the amount of $ X.XX advised as per lender docket.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536844 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called in and discussed the online access was blocked due to bankruptcy XX filing. Servicer explained filed the bankruptcy and was on the title deed and explained that auto payment was cancelled and gave the payment options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. Comment dated XX/XX/XXXX indicates bankruptcy was terminated on XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537394 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented<br>[1] Written Dispute - Servicer responded within XX days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding $X.XX payment. Servicer advised payment was not posted. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded within XX days and no further communication from mortgagor. On XX/XX/XXXX, credit dispute was received. The dispute was resolved by the servicer. There was no further mention about the dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537397 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due forXX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in as wanted to confirm payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536871 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower discussed payment and amount due on the loan. Borrower stated that they were not impacted by COVID.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536890 | 2 | [2] Damaged Interior - Active insurance claim but unclear who holds funds or covered by bid | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to review escrow balance and requested verbal payoff.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Comment dated XX/XX/XXXX indicates check in amount of $X.XX was received by servicer for endorsement, cause of loss was XXX and date of loss was mentioned as XX/XX/XXXX. Claim was classified as non-monitored. There is no evidence of repairs completed or XX inspection done. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536891 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to schedule a payment for XX/XX/XXXX and that has to deposit funds to account. Borrower is trying to unlock online account to provided retail banking number.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536920 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and want to know the decision on the modification. Servicer advice the borrower to accept the offer and start the payments for modification.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536921 | 1 | [1] Damaged Interior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to waive off the late fees for $X.XX servicer placed request and waived off late fees.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. As per comment dated XX/XX/XXXX and XX/XX/XXXX borrower requested payment for $X.XX to be used for repairs and claim was classified as non monitored. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536944 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in for general account information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536951 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding about that declined the modification offer and verbal opt out and accepted the deferment offer.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536970 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to add another party to deed. Servicer went over process and list of documents needed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XX. The most recent bankruptcy status is closed. The bankruptcy was dismissed on XX/XX/XXXX. Bankruptcy chapter XX was closed on XX/XX/XXXX. Previous bankruptcy chapter XX case XXX was discharged during life of loan. There is no filing or discharge date provided in the comments.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536973 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called the borrower and borrower advised will make the payment in the following week.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536974 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding the payment information, agent provided the payment information i.e. of method of payment. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537411 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537429 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537451 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke with borrower for options wanted to extend forbearance went over approved modification, Deferment offer on file and XX more months left on forbearance. Borrower requested to extend forbearance for additional XX months through XX XX. Borrower plans to reinstate the loan when new forbearance end. Agent advised borrower will receive both forbearance extension out in the mail and property condition is good.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537452 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537453 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537463 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537478 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537479 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537507 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537520 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537527 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537541 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized XX party called in to get miscellaneous preferred insurance policy information. Advised to borrower about premium and homeowner policy was updated. Also, advised to contact insurance company to cancel the policy.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537545 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537573 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537575 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537580 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called to advised that customer changed insurance carriers to auto owners.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537596 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Co-borrower called in regarding the insurance policy.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537611 | 2 | [2] Damaged Exterior - Active insurance claim but unclear who holds funds or covered by bid | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to draw request for XXX on dol XX/XX/XXXX and borrower called in for mobile deposite.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. As per the comment dated XX/XX/XXXX indicates property was damage due to col XXX on XX/XX/XXXX. and no other evidence of repairs was completed, and XX inspection was done on property. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537645 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537656 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537661 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower and promise to pay through XX initiated.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537667 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check the status of the account and was informed about the enrolled for auto draft.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537669 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired about the insurance. Advised to borrower that call need to transfer to respective team. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537688 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding the credit was negatively impact Yesterday. Borrower was on the covid protection XX years ago and not sure why it was reported negative. Servicer advised will review the account and if there will be late payment then not be able to make any credit amendment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. Comment dated XX/XX/XXXX indicates loan was converted from chapter XX to chapter XX on XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537710 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regard to verification of mortgage.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537758 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the insurance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537763 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding the letter from lender.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537796 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537797 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537806 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537808 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to mentioned that the house was originally quote for $X.XX and it does not make sense that he kept paying for almost XX years but the principal amount went up. Agent asked borrower for additional information for home equity line of credit.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537809 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537812 | 1 | [1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in requested for a escrow analysis<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Insurance. The dispute is resolved and the status indicates Servicer responded and appears issue is closed. Comment dated XX/XX/XXXX indicates a borrower disputing insurance payment borrower makes payment to personal homeowners insurance company. Borrower disputing $X.XX charge foe homeowner insurance. Borrower wants funds to be refunded. Comment dated XX/XX/XXXX received refunded in the amount of $X.XX.Dispute has been resolved.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537819 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and servicer informed about refinance current balance $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537829 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. As per comment dated on XX/XX/XXXX. Called borrower and advised borrower made the payment on XX/XXXX. Advised showing payment applied to principal. Put in requested to have funds moved to monthly payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537834 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537841 | 2 | [2] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified but not documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower. Borrower is deceased and Executor/Heir exists to dispose of property; identified but not documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537857 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was called on XX/XX/XXXX to cancel the duplicate payment request.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537865 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called verified mailing address and informed that is not impacted by covid XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537870 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to promise to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537882 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check status of document sent to the servicer has received their fax from XXX that the borrower has insurance and the fax was sent in the morning. Agent informed it takes XX-XX business days before the fax shows up.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537891 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check the status of the account and to make a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537932 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and stated they are trying to apply for auto payment from the bank, but it gets failed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537956 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called on XX/XX/XXXX with regards to payments.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537989 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke with borrower and informed discharge bankruptcy and call was interrupted due to other disconnected the call.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. bankruptcy limited comments.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537997 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538001 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding about reaffirmed that not report on call and advised need to call to bankruptcy attorney.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538013 | 2 | [2] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified but not documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding the escrow information. Agent transferred to correct department Borrower is deceased and Executor/Heir exists to dispose of property; identified but not documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538018 | 2 | [2] Damaged Exterior - Active insurance claim but unclear who holds funds or covered by bid<br>[2] Damaged Interior - Active insurance claim but unclear who holds funds or covered by bid | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in as received escrow information and notice of mortgage payment. Advised to borrower of lender placed insurance and insurance company payment. Call was transferred to customer care for further information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. As per the comment dated XX/XX/XXXX claim was for XXX and date of loss on XX/XX/XXXX and the claim amount was $X.XX. As per the comment dated XX/XX/XXXX there was XXX damaged such as XXX or XXX. As per the comment dated XX/XX/XXXX inspection result is at XX, XXX claim amount was $X.XX and claim amount release was X.XX. Also, borrower is requesting to have $X.XX claim check endorsed based on XX inspection result. No evidence of XX repair inspection done. Property repair is in process. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538025 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538050 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538073 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to confirm that automatic clearing payment through on XX/XX/XXXX and low funds in checking placed the funds back to cover the payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538078 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower regarding requested draw also confirmed mailing address with borrower and servicer update the next step for borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538083 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check can advance from account. Advised this is a XXX loan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538115 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538118 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called in and stated final modification document received from customer on XX/XX/XXXX. Servicer advised XX modification payment is due on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538122 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with the borrower regarding modification documents. Informed to the borrower signed modification documents received on XX/XX/XXXX, now waiting for the countersigned documents sent out to the system.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538125 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired about lender place letter they received about insurance policy information. Provided policy information and advised them of website information. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538131 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538171 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538193 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding automatic clearance house set up has been processed for the minimum monthly payment has been cancelled.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538195 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538218 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and stated that they made a payment on XX/XX/XXXX and they had some issues with the account but that has been resolved.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538228 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in regarding to to discuss on payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538261 | 1 | [1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquire about taxes and agent assisted.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Escrow Dispute. The dispute is resolved and the status indicates Servicer responded and appears issue is closed. As per the comments dated XX/XX/XXXX dispute for taxes and insurance was resolved.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538302 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538312 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538324 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to confirm payment was received. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538329 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called on XX/XX/XXXX to waive of the insurance from the escrow. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538348 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538351 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called borrower responded that it is not a good time to talk and is at doctor's office.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538352 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538364 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check the status of the account and updated the mailing address.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538381 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called to customer and asked for covid impacted or not. The customer accepted a curing promise to pay in XX payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538385 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538391 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding the payoff information. Agent processed the request and opt the email option to send the payoff.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538394 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding taxes were disburse from account because they were delinquent and gave information of what they owes to servicer. Borrower will pay to servicer what they owes. Agent advise XX installment of XXXX taxes are pending and borrower will pay on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538399 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538419 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make the payment of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538421 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538427 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538438 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower made payment for policy. Effective date will be XX/XX/XXXX. Report date XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538439 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding the general status of the loan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538465 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538466 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent called about account status, borrower promise to pay in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538477 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538485 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding payment and asked about covid XX impacted or not and confirm payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538501 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check the status of the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538507 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and discussed loan general information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538514 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower wanted to make sure that the renewal was received and payment would go out to the insurance company. Confirmed the borrower that regular payment was issued. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538542 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make payment. Borrower promised to pay and advised no interest in loss mitigation.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538572 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538583 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538600 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538604 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called onXX/XX/XXXX and a XX form was sent on the email.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is occupied-UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538617 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to regarding stop call initiated.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538619 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to get name change completed and servicer advised need to file out and need a copy of marriage license to complete.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538649 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with customer as they will be providing us the proof for the tax paid.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538653 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538655 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make the payment on the account in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538660 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538670 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538674 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538678 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538689 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538708 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower and discussed about account information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538709 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538710 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in to get the modification agreement. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538713 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538717 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check if there is $X.XX applied to the account. Borrower said that it was not intended for account no transactions shows the said amount yet.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538723 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Successor in Interest called regarding the update on the account. Agent informed in order to update their details on the account, they should get the recorded deed from county showing their property ownership and along with that few other documents, such as birth certificate and few other notarized documents. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538730 | 3 | [3] Mortgagor Deceased - Not clear or no information on executor/heir | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower. Borrower is deceased and Not clear or no information on executor/heir. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538745 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538751 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538752 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538794 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538807 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538823 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and made a payment in the amount of $X.XX. The borrower said that this is a rental property.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538827 | 2 | [2] Damaged Exterior - Active insurance claim but unclear who holds funds or covered by bid<br>[2] Damaged Interior - Active insurance claim but unclear who holds funds or covered by bid | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called regarding homeowners insurance; requested copy of current policy.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Bankruptcy was discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Comment dated XX/XX/XXXX, customer stated there was a property damage due to XXX. Customer needs to do XXX, XXX and XXX. Claim was classified as non-monitored. No comments have been found repairs are XX completed. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538829 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called the borrower regarding the account update. Borrower requested to provide information on low rate mortgage. Agent informed that option is not available.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538846 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower and manual authentication was completed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538867 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538870 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538890 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called for insurance premium as was amended run as escrow analysis after system update.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538895 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538909 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538924 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called about the account status and escrow shortage.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. As per the comment dated XX/XX/XXXX property damage due to XXX with date of loss XX/XX/XXXX. As per the comment dated XX/XX/XXXX claim check was endorsed and release and there is no any evidence found regarding the XX inspection or repair were completed. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538937 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538940 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower and advice the monthly payment on statement including the late fee.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538951 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke with borrower regarding loan information and manual authenticated done.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538962 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539041 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539051 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding late fee waiver and promised to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539056 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539079 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539101 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and servicer ask the borrower about covid-XX impact borrower confirmed as no also borrower said they have made the payment with bank and still not been debited. Servicer informed the escrow shortage about to borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539117 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding payment. Borrower is old and was paying deceased family member's loan. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539118 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539127 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to get the reinstatement quote with good through date of XX/XXXX and agent advised borrower about mortgage assistant.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539137 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539139 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539156 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called on XX/XX/XXXX with regards to the account status.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539176 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke with borrower regarding general information of the loan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539177 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with XX party authorized by borrower and went over setting up escrow for delinquent taxes, refer to delinquent advanced XX lien XX taxes non-escrowed article no. XX and XX imaged on XXX dated XX/XX/XXXX, advise delinquent taxes were already capitalized, advise an escrow account is set up when the customer completes a modification.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539187 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539190 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. As per comment dated on XX/XX/XXXX. Borrower called and wanting to go over information spoken with in branch agent advised we are unable to view information went over sent information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539198 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due forXX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to submit a request to have funds applied until XX/XXXX payment and servicer submitted a request. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539213 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539226 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539248 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539266 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539275 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539282 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539294 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in not interested in mortgage assistance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539310 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in to make payment. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539322 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539325 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539328 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and informed that they have made the $X.XX and wanted to put that amount towards the late fees.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539333 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539354 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539358 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding to getting information on insurance and agent advise borrower to call insurance company to get the details regarding coverage and provided number. Agent advise borrower they have lender placed insurance for flood policy and for hazard they do not track.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539365 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539371 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in requested to add son name to the title and sent in all the documents confirmed receipt and are missing documents to complete the review.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539385 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539391 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539398 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with authozired XX party called to notify the successor in interest has been completed. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539418 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and discussed the account and servicer waived one late fee on the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539423 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding the insurance policy information and advised to dismiss the letter which they received regarding home warranty.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539438 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer spoke with borrower regarding general information on the loan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539455 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539457 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539463 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer spoke with customer for payment. Customer setup payment via XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539469 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in authenticate completed. XXX escrow amount paid.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539476 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539496 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539534 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer contacted borrower regarding to discuss on insurance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539535 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539566 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to verbally provided policy information. Agent updated the account and advised of resending email with the loan number in subject line.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539591 | 3 | [3] Damaged Interior - Damage remains unresolved and no indication covered by insurance | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called on XX/XX/XXXX with regards to the payment issues and a confirmation was given of the payment being summitted.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. As per the comments dated XX/XX/XXXX there was a XXX damage identified on the property due to XXX with a date of loss of XX/XX/XXXX. There is no XX damage being repaired or the inspection being received. There was also another damage identified per the comments dated XX/XX/XXXX with the date of loss of XX/XX/XXXX and XX inspection was received. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539597 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to verify letter received. Agent provided the information and added closure and sent declaration.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539602 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called for the general account information and agent provided it.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539603 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539607 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. As per comment dated on XX/XX/XXXX. Borrower called to make a payment and obtain any requested information on the account effective immediately.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539608 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539612 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539616 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539663 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding their refund. Advised refund in the amount for $X.XX and for $X.XX payment submitted on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539668 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539674 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539678 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and stated unable to make payment due to excessive obligation. Borrower wanted mortgage assistance but unable to complete interview now. Borrower promised to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539690 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539691 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539694 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in to make payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539695 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding request for insurance policy information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. As per comment dated XX/XX/XXXX borrower called in for loss draft information and borrower expecting a claim check but does not know the amount. Claim check needs to be endorsed. Comments on XX/XX/XXXX indicates claim was classified as non- monitored. Check received in the amount of $X.XX on XX/XX/XXXX for XXX. There is no evidence of repairs completed, or XX inspection done. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539699 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and accepted a curing promise to pay in XX payment. The payment plan type is XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539700 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regard to general account information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539717 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539736 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer spoke with customer for manual authenticated and sent XX form by email.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539743 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and servicer advised on general information on the account. Borrower made the payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539744 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called to verify the late fees on the bills.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539774 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539777 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539783 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539805 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539813 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and made a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539824 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539826 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539828 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539829 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to update insurance policy information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539844 | 2 | [2] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified but not documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding other loan. Agent advised to borrower that this loan is current. Borrower is deceased and Executor/Heir exists to dispose of property; identified but not documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539855 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called the borrower to provide account information. Borrower mentioned they don't wants to opt any options right now as per the letter received. Agent replied there are retention options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539861 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Called borrower and said not the best time to call but they will call to make a payment today.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539863 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called about the lender place insurance, agent advised the same.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539867 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer explained to customer that who is your lender, explained about mortgage payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Bankruptcy was discharged under chapter XX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539885 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called for promise to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539889 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539895 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check the status of the account and was advised about the principal balance and XX day payment in the last XX months.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539911 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke to borrower and borrower informed about reason for default as excessive obligations<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539919 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539927 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is closed.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539932 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called out has auto pay set up and had questions about escrow advised of information. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539933 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539943 | 2 | [2] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified but not documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The authorized XX party called on XX/XX/XXXX with regards to the E-account status and the next steps. Was advised of the process to add the trustee on the loan. Borrower is deceased and Executor/Heir exists to dispose of property; identified but not documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539947 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539956 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and promise to make the payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Comment dated XX/XX/XXXX indicates received the claim document for endorsement check. Claim was classified as non-monitored. There was a XXX damage on XX/XX/XXXX. Claim amount $X.XX. Claim was closed. There is no evidence of repairs completed or XX inspection done. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539981 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539982 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539992 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539997 | 1 | [1] Damaged Interior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to verify payment information and inquired about XX party authorization.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comment dated XX/XX/XXXX indicates insurance claim was classified as non-monitored and servicer sent payment instructions to insurance company for loss draft payment in amount of $X.XX. On XX/XX/XXXX servicer sent payment instructions to insurance company for loss draft payment in amount of $X.XX. On XX/XX/XXXX servicer sent payment instructions to insurance company for loss draft payment in amount of $X.XX. On XX/XX/XXXX servicer sent payment instructions to insurance company for loss draft payment in amount of $X.XX. There is no evidence of repairs completed or XX inspection done. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540023 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party called in and servicer processed fax request sent.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540031 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540040 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540071 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540093 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540095 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower. Manual authenticated.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540100 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. As per comment dated on XX/XX/XXXX. Borrower called and send client letter advising that insurance is not being tracked for this loan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540125 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding payment. Agent manual authenticated. Borrower promised to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540130 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make payment but not able to make payment today due to scheduled updates to the XXX mortgage and XXX payment systems. Advised instructed by the news article regarding the update and advised try now.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540146 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and discussed loan general information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540153 | 1 | [1] Damaged Interior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. As per the comment dated XX/XX/XXXX indicates non-monitored claim fund was released but no evidence of XX inspection was completed. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540167 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower regarding the statement stating $X.XX due to XXX payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is second home - UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540174 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called as wants to do a partial release on land needs the deeds or information on how to do.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540197 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. borrower called and manually authenticated. Borrower informed that primary borrower passed way and was advises of the successor in interest process kit to email. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540209 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540217 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in to get an overnight payment sent out.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540221 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and promised to pay in one payment $X.XX on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540242 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and stated were ready to resume payment and wanted to use demand draft.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540244 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540248 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540252 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding misapplied payments and refund request.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540260 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding a escrow information on the loan<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540306 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540309 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540310 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquire about letter and advised taxes are paid and will send proof of payment via email.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540323 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower regarding the XX-month transaction history request.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540326 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent called borrower regarding payment. Borrower will make payment XX or XX at the local branch.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540354 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs<br>[1] Damaged Interior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized XX party called in regarding check status of document sent. Servicer advised lender placed insurance process.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Comments on XX/XX/XXXX indicates there was a property damage due to XXX on XX/XX/XXXX, claim amount X.XX. Comments on XX/XX/XXXX indicates endorsement check received in the amount of $X.XX. Comments on XX/XX/XXXX indicates need an inspection of XX% to be able to release all funds. Comments on XX/XX/XXXX indicate require a final inspection. There is no evidence of repairs completed, or XX% inspection done. Property repair is in process. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540363 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower manual authenticated completed. verified payment posting time due to system maintenance. Advised allow more time.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540366 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check the status of the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540367 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540368 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. As per comment dated on XX/XX/XXXX. Borrower called to cancel Automated clearing house.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540375 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540391 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding their hardship due to excessive obligation wanted to change the schedule payment from XX/XX/XXXX to XX/XXXX for X.XX. Borrower also wanted to know can make partial payment on the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540397 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540399 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540414 | 1 | [1] Written Dispute - Servicer responded within XX days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Payment Dispute. The dispute is resolved and the status indicates Servicer responded within XX days and no further communication from mortgagor. As per comment dated XX/XX/XXXX borrower had payment dispute. Borrower had made payments which cannot allocate funds to pay fees. Advised not able to reverse the payment as it has been more than XX days since the payments were applied to the account. Response for the dispute is imaged and forward to appropriate department.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540416 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer spoke with customer and confirmed late charge adjustment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540440 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called and provided principal balance for $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540447 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. As per comment dated on XX/XX/XXXX. Borrower called to made a partial payment of $X.XX and borrower would be making balance $X.XX on XX/XX/XXXX to complete the monthly payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540450 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. As per comment dated on XX/XX/XXXX. Called borrower of TAD, stated will be making payment and hung up.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540451 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding an escrow analysis.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540466 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized XX party called regarding an escrow analysis as escrow payment increased and there is an escrow shortage due to taxes and insurance is paid higher than projected.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536998 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower regarding the payment reminder.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540473 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower and discussed about balance after death.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540483 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540488 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540495 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized XX party called to update mailing address. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540508 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540519 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. The proof of claim was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540524 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540532 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer contacted borrower and agent advised to borrower that insurance is not escrowed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540541 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540568 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in reference to the branch endorsement approval request for insurance claim check. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Claim filed for XX damage date of loss XX/XX/XXXX. Claim funds in the amount of $X.XX received on XX/XX/XXXX. Claim is not classified. Funds released to borrower but no evidence of work order or inspection to verify repairs completed. Property repair is in process. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540573 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540578 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540583 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540599 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540627 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in inquired about taxes<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540637 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540648 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540649 | 1 | [1] Damaged Interior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower advised that they were not impacted by COVID-XX. Borrower promised to make a payment in the amount of $X.XX. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. As per the comment dated XX/XX/XXXX indicates non-monitored claim and no evidence of repairs was completed. On XX/XX/XXXX servicer sent payment instructions to insurance company for loss draft payment in amount of $X.XX. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540654 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The authorized XX party called on XX/XX/XXXX with regards to the final modification documents and a payment was completed for XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: <br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is performing under plan. The proof of claim was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is vacant.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540667 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540668 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540674 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540681 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding a payment information on the loan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540692 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Called to borrower regarding loss mitigation option. Borrower accepted deferment and declined modification.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540696 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540702 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540713 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding the payment send is applied on the account and wants to know about the next payment date. Agent provided the information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537071 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding stated got the documents sent and was trying to make a payment was unable to make the payment and advised next payment not due until XX/XXXX. Also should receive the documents today or tomorrow.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537006 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537079 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding payment which was received.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537086 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding modification documents needed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537091 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer contacted borrower and borrower informed about missed payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537112 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Co-borrower called regarding setup fast payment and provided confirmation.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is fair. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537113 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was advised that if a late payment is still showing on the account and on the XXX, making it a valid reporting. The payments would need to be corrected first on the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537124 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer informed that reason for default was payment dispute.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537140 | 2 | [2] Damaged Exterior - Active insurance claim but unclear who holds funds or covered by bid<br>[2] Damaged Interior - Active insurance claim but unclear who holds funds or covered by bid | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding paid the bill due for XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Comment dated XX/XX/XXXX indicates there was insurance company check received for XXX damage on the property. Comment dated XX/XX/XXXX indicates there was a damage on the property due to XXX and date of loss on XX/XX/XXXX, claim amount is $X.XX. Comment dated XX/XX/XXXX states regarding a claim and need to call the insurance team. Comments do not indicate XX% repairs were completed. The damage repair amount is estimated at $X.XX. Property repair is in process. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537144 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is performing under plan. The proof of claim was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540775 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding wanted to know why monthly amount decreased.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540780 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540786 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540850 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540857 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540864 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540872 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540877 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke with borrower to confirm escrow refund check is correct.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540883 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540908 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540918 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540925 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in for make payment for taxes.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540945 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and discussed loan general information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540946 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540958 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the insurance policy and to check status of the document.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540970 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540971 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called borrower inquired about taxes and advises is escrowed account for taxes as water bills is not required.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540977 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called borrower to inform modification is completed and account is back to normal servicing borrower stated payment posted on XX/XX/XXXX covered XXX payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540985 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized XX party called in and stated that the account is showing due but made the payments already. Agent advised about insufficient payment received and processed payment as per authorized XX-party request and they wanted to speak with insurance department so while transferring the call line got disconnected.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540995 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541005 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented<br>[1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke with borrower regarding promise to pay the XX payment on XX/XX/XXXX in the amount of $X.XX and general information on the account. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Balance on the account. The dispute is resolved and the status indicates Servicer responded and appears issue is closed. Comment dated XX/XX/XXXX indicates borrower has raised the dispute of the balance on the account and The principle balance shown on the most recent statement as $X.XX however borrower believes. Servicer has resolved the balance dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541016 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in made a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541017 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer contacted borrower to make the payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541022 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541023 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541025 | 3 | [3] Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and inquired about the letter.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. On XX/XX/XXXX, borrower needs to file a claim to get XXX fixed. No information pertaining to XX% repair inspection found. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541037 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541041 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541069 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541077 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541085 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541089 | 3 | [3] Damaged Interior - Damage remains unresolved and no indication covered by insurance | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to request insurance policy information due to damage to property. Servicer advised lender placed insurance currently on your account. Provided information and lender place insurance claims department number.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comments on XX/XX/XXXX indicates there was damage on property and borrower requests to insurance policy information. There is no evidence of repairs completed, or XX% inspection done. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541092 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541103 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check the status of the account. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541105 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541106 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541110 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower, borrower promised to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541111 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541141 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541142 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called on XX/XX/XXXX with regards to the DD amount and wanted the letter reflecting the amount.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541148 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541149 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541155 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541161 | 3 | [3] Mortgagor Deceased - Not clear or no information on executor/heir | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower. Borrower is deceased and Not clear or no information on executor/heir. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541179 | 1 | [1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in advise of the account status, borrower said has been requested to be corrected and should not owe for month of XXX.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Payment Dispute. The dispute is resolved and the status indicates Servicer responded and appears issue is closed. On XX/XX/XXXX, a payment dispute was received. Borrower has been requested to be corrected. The dispute was resolved by the servicer. There was no further mention about the dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541189 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541194 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541195 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541227 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called for confirming account status and for making the payment, agent provided the information and scheduled the payment<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541235 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and stated will make the payment this weekend and servicer advised of late charge impact.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541236 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke with borrower regarding general information on the loan and stop call initiated.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541247 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541248 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541261 | 1 | [1] Delinquent Taxes - Delinquent taxes, but not tax sale | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and agent advised the account is not in bankruptcy.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: As per comment dated XX/XX/XXXX, Home equity delinquent tax letter data escrow payment is $X.XX repay shortage $X.XX+ shortage $X.XX. |
|  |  | 3158541263 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer contacted borrower regarding to discuss about insurance claim check.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comment dated XX/XX/XXXX indicates that subject property had some XXX damage and borrower filed claim as non monitor. Comment dated XX/XX/XXXX indicates that there was no evidence of XX% repairs inspection completed on the subject property. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541264 | 3 | [3] Damaged Interior - Damage remains unresolved and no indication covered by insurance<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized party called in for Successor in interest servicer advised need proof of ownership authorized party stated they are working on getting the name on deed. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. As per comment dated XX/XX/XXXX non monitored classified claim was opened.<br> As per comment dated XX/XX/XXXX claim was closed however no evidence of damage being repaired or XX% inspection done. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541313 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke with borrower regarding loan information and borrower get authenticated.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541320 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regard to general account information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541329 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer inquired about taxes, mentioned received notification from TA that due of tax bill will be on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541339 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541343 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541349 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower and borrower inquired about different account and general information of the loan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541351 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541367 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer spoke with XX party and went over additional insurance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541369 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to to know what to do if passed away. Borrower informed that just filed a transfer on death deed in family member name.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541372 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541379 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541380 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541383 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541395 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541397 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and discussed loan general information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. A motion for relief was filed XX/XX/XXXX. Bankruptcy discharged date XX/XX/XXXX Termination date XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541403 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called the borrower regarding the payment, Agent advised to send the letter regarding the payment issue.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541406 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541408 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding disclosures and already assumed loan back and loan was modified. Servicer advised may have a lamp mod not an actual assumption.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541416 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in for general information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541433 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and spoke with servicer and call was transferred to tax department.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541443 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check the status of the account and modification.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541444 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541457 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541462 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in with regards to the insurance premium and the policy updates.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537184 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower, borrower promised to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541481 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to make a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541491 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower regarding general information of loan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541539 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower regarding the payment reversal and account maintenance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541542 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541552 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541570 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541572 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and accepted a promise to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541590 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke to borrower who is realistic. Borrower XX had loan modified already and was extended out. Borrower now is XX yrs old and with the loan modified there was nothing else that could be done. Borrower stated will shop around for lower insurance and reason it was requested was because of escrow.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is fair. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541592 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and spoke with servicer regarding customer will no longer sell the property.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541604 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541616 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541619 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding deceased borrower to inform about the passing of borrower and need to provide reference documents in order to remove deceased borrower from the loan and advised for sending documents which are needed. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541621 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541642 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541646 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541665 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was called regarding authentication.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541667 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in for general information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541674 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541678 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized XX party called in to make the payment on the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541699 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquire why account is showing due for XXX and servicer advised payment dated XX/XX/XXXX satisfied XXX payment. Borrower advised payment dated XX/XX/XXXX was applied to principal however it was a monthly payment. Servicer raised a request to move funds from principal to monthly payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541714 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding the letters which received from the insurance company. Borrower wants to keep the Lender placed insurance policy stated it is hard to obtain insurance and advised of the total for the annual premium.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541725 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and advised about interest rate and emailed notes.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541726 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537199 | 1 | [1] Written Dispute - Servicer responded within XX days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower advised that they would promise to pay by XX/XX/XXXX. Borrower stated that they were not impacted by COVID-XX.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded within XX days and no further communication from mortgagor. On comment dated XX/XX/XXXX credit dispute was submitted and credit information corrected.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537203 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer spoke with borrower and borrower advised reason for delinquency due to illness of the family member.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541739 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541741 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called on XX/XX/XXXX with regards to the insurance enquiry and to confirm the loan type. Also stated that the home was only placed in flood zone after nearby water source caused issues with sewers. This has since been fixed by local authorities.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541745 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regard to the amount of the monthly payment. Servicer informed borrower about the details which was sent on XX/XX/XXXX. Borrower stated that they don't have money to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541748 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541756 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541760 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541811 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541812 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized XX party called in regarding they had a copy of the deed. Agent explained successor in interest authorization and advised of documents needed. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541814 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to make principal payment over the phone and agent assisted.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541834 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower regarding COVID-XX impact. Borrower stated not impacted by COVID-XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541835 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to confirm XX is available and stated will go to branch to have copy printed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541855 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized XX party called and request paper statements. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541858 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541859 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541869 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541874 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the insurance policy information. Servicer advised website details.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541877 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541903 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding about confirmed due date related.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541918 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541930 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer contacted borrower regarding to discuss on payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541939 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541941 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the general information on the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541956 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding covid-XX which was impacted or not. reinstatement sent inquiry on the foreclosure sale date if this will be cancelled, confirmed if payment received for correct reinstatement amount foreclosure will be suspended.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541992 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in stated offer a program and is able to skip a payment advised that we don't have a program that allow to skip pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541999 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called for status of loss draft claim check. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Monitored claim for XXX damage with a DOL of XX/XX/XXXX. Loss draft check received on XX/XX/XXXX. was endorsed and released. There are no further details as to the extent or nature of the damages, and there is no evidence that repairs have been completed. The damage repair amount is estimated at $X.XX. Property repair is in process. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542000 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower calling regarding the insurance information on the account. Agent informed the insurance is updated with XXX insurance company.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542019 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding to make the payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542024 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542036 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. As per comment dated XX/XX/XXXX states Bankruptcy Chapter XX - XX was discharged no other information was provided.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542038 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542042 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Call regarding in reference to claim and next steps for XXX on date of loss XX/XX/XXXX and borrower called for claim next steps advised final inspection sent.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Comment dated XX/XX/XXXX indicates claim classification as monitored, and comment dated XX/XX/XXXX states draw check issued. Comment dated XX/XX/XXXX indicates date of loss on XX/XX/XXXX. Comment dated XX/XX/XXXX states there was damage on the property due to XXX and date of loss on XX/XX/XXXX and borrower called for claim advised claim next steps and final inspection sent. Comments do not indicate XX% repairs were completed. Property repair is in process. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542050 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542069 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in stated statement not received. Advised mailing address not updated. Mailing address updated and authenticated process completed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542072 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent called borrower regarding payment change. Borrower promised to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542077 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542082 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542085 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542111 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542122 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542128 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer contacted borrower to discuss about escrow payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542129 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with the customer regarding late fee and advised once pending payment is poste its reverse.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542130 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542138 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542150 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542181 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower regarding payment information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Comment dated XX/XX/XXXX indicates there was XXX damage on property on XX/XX/XXXX. Comment dated XX/XX/XXXX indicates claim check amount was received however the amount was no endorsed and release Comment dated XX/XX/XXXX indicates repairs was XX% completed and XXX was pending to repaired No evidence of XX% inspection was done on property. Property repair is in process. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542183 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542202 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to advise of status and inquired about payment that was sent to XXX. Servicer advised delivered and outstanding's. Borrower also had questions regarding revaluation of loan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542220 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542222 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to promise to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542237 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542256 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542257 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding the general status of the loan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542259 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542264 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542269 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was called on XX/XX/XXXX with regards to the account status, discussed the total amount due and late charges impact.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542272 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542289 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542308 | 1 | [1] Delinquent Taxes - Delinquent taxes, but not tax sale | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and inquired about XXX letter for parcel# to which agent gave information of XXX procedure and stated they need to get proof of taxes. Also said will pay taxes on their behalf and said not to establish escrow or send any disbursement for taxes.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: As per comment dated XX/XX/XXXX, Home equity delinquent tax letter second attempt escrow payment $X.XX repay shortage $X.XX+ shortage $X.XX. |
|  |  | 3158542321 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was called regarding manual authenticated.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542323 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inform currently waiting for inspection and will provide insurance information once inspection is complete.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542340 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower and discussed about escrow analysis.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542344 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542379 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542382 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542387 | 2 | [2] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified but not documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower. Borrower is deceased and Executor/Heir exists to dispose of property; identified but not documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542395 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542401 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was called to make a payment<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Comment dated XX/XX/XXXX indicates a date of loss on XX/XX/XXXX due to XXX. Comment dated XX/XX/XXXX indicates a endorse and release check has been released and XX% inspection has been completed. There is no evidence of XX% inspection were completed. Property repair is in process. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542410 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to schedule late fee payment and bankruptcy that cannot be removed per case optimizer.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542442 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542477 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542484 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542486 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke with borrower regarding reason for payment behind. Borrower was not aware that payment behind.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542492 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the general information related to the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542497 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542512 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542513 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542526 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542532 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding modification and asked about covid-XX impacted or not and discuss about reason for default is curtailment of income.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542534 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542552 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized XX party called in to make a payment and payoff information. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537020 | 2 | [2] Damaged Interior - Active insurance claim but unclear who holds funds or covered by bid | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower and ask the borrower about covid XX impact borrower confirmed as not also discuss the reason for default and discuss the loan modification option with borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. As per the comment dated XX/XX/XXXX indicates property was damage due to XXX and the claim check was received and no evidence of repairs was completed, and inspection was done on property. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537027 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check the status of the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537216 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and accepted deferral and ready to resume making payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Comment dated XX/XX/XXXX indicates bankruptcy was discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537217 | 1 | [1] Written Dispute - Servicer responded within XX days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check the status of the account and inquire about credit reporting.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded within XX days and no further communication from mortgagor. Comment dated XX/XX/XXXX borrower disputing about the credit reporting and the servicer resolved the issue.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537037 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537238 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537250 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called about account status and states not interested in mortgage assistance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537054 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called to borrower and stated that XXX account deleted and only XXX has the funds. Advised to borrower XX more trial payment is needed and servicer will send the final modification documents.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |

---

![](ex99-01.jpg)

**Exception Summary**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Exception Type** | **Exception Grade** | **Exception** | **Open Exceptions** | **Cleared Exceptions** | **Cured Exceptions** | **Waived Exceptions** | **Unable to Clear Exceptions** | **Total** |
| Comment | 3 | Damaged Interior - Damage remains unresolved and no indication covered by insurance | 3 | 0 | 0 | 0 | 0 | 3 |
| Comment | 3 | Mortgagor Deceased - Not clear or no information on executor/heir | 2 | 0 | 0 | 0 | 0 | 2 |
| Comment | 3 | Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair | 1 | 0 | 0 | 0 | 0 | 1 |
| Comment | 3 | ***Total Comment Grade (3) Exceptions:*** | ***6*** | ***0*** | ***0*** | ***0*** | ***0*** | ***6*** |

---

![](ex99-01.jpg)

**Exception Standard Report**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Alternate Loan ID** | **Loan Exception ID** | **Exception ID** | **Loan Status** | **Exception Date** | **Exception Subcategory** | **Exception Status** | **Exception Status Change Date** | **Exception Grade** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Statute of Limitation Date** | **Comments** |
| XXXX |  |  |  | 3158538730 | 33519808 | 5756 | Loan Review Complete | 05/29/2025 | General | open |  | 3 | Mortgagor Deceased - Not clear or no information on executor/heir |  |  |  |  |  |
| XXXX |  |  |  | 3158539591 | 33520609 | 5638 | Loan Review Complete | 05/29/2025 | General | open |  | 3 | Damaged Interior - Damage remains unresolved and no indication covered by insurance |  |  |  |  |  |
| XXXX |  |  |  | 3158541025 | 33527104 | 5640 | Loan Review Complete | 05/29/2025 | General | open |  | 3 | Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair |  |  |  |  |  |
| XXXX |  |  |  | 3158541089 | 33526993 | 5638 | Loan Review Complete | 05/29/2025 | General | open |  | 3 | Damaged Interior - Damage remains unresolved and no indication covered by insurance |  |  |  |  |  |
| XXXX |  |  |  | 3158541161 | 33526997 | 5756 | Loan Review Complete | 05/29/2025 | General | open |  | 3 | Mortgagor Deceased - Not clear or no information on executor/heir |  |  |  |  |  |
| XXXX |  |  |  | 3158541264 | 33527155 | 5638 | Loan Review Complete | 05/29/2025 | General | open |  | 3 | Damaged Interior - Damage remains unresolved and no indication covered by insurance |  |  |  |  |  |

---

## Exhibit 99.3

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

 **Exhibit 99.3 - Schedule 6**

![](ex99-01.jpg)

**Modification Only Extract**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Alternate Loan ID** | **Borrower Name** | **Street** | **City** | **State** | **Zip** | **Has Modification?** | **Mod Doc Status** | **Mod Amortization Type** | **Total Amount Deferred** | **Mod UPB** | **Mod Principal Forgiven** | **Mod Amount Capitalized** | **Mod Deferred Balance** | **Mod Accruing UPB** | **Mod Date** | **Mod First Payment Date** | **Mod Maturity Date** | **Mod Original Term** | **Mod Amortization Term** | **Mod Original Interest Rate** | **Mod P&I** | **Mod P&I - Calculated** | **Mod Payment Frequency** | **Mod Interest Collection Type** | **Mod Interest Only?** | **Mod Interest Only Period** | **Mod Interest Only Period Expiration** | **Mod Balloon?** | **Mod Neg Am?** | **Mod Months Extended** | **Mod Neg Am Cap (% of UPB)** | **Principal Reduction Alternative** | **Balance Eligible** | **Principal Reduction Alt Amount** | **PRA Year 1 Anniversary Date** | **PRA Year 1 Reduction Amount** | **PRA Year 2 Anniversary Date** | **PRA Year 2 Reduction Amount** | **PRA Year 3 Anniversary Date** | **PRA Year 3 Reduction Amount** | **Mod Program Type** | **Mod Cure** | **Mod Teaser Rate** | **Mod Rate Change Frequency (Payments)** | **Mod Payment Change Frequency (Payments)** | **Mod First Interest Rate Change Date** | **Mod First Payment Change Date** | **Mod Next Interest Rate Change Date** | **Mod Next Payment Change Date** | **Mod Index Type / ARM Type** | **Mod Lookback Period** | **Mod Rounding Factor** | **Mod Rounding Method** | **Mod Initial Rate Cap** | **Mod Initial Rate Floor** | **Mod Initial Rate Maximum** | **Mod Initial Rate Minimum** | **Mod Life Rate Cap** | **Mod Life Rate Floor** | **Mod Life Rate Maximum** | **Mod Life Rate Minimum** | **Mod Periodic Rate Cap** | **Mod Periodic Rate Floor** | **Mod Margin** | **Step 1 Rate Change Date** | **Step 1 Payment Change Date** | **Step 1 Rate** | **Step 1 P&I** | **Step 1 # Payments** | **Step 2 Rate Change Date** | **Step 2 Payment Change Date** | **Step 2 Rate** | **Step 2 P&I** | **Step 2 # Payments** | **Step 3 Rate Change Date** | **Step 3 Payment Change Date** | **Step 3 Rate** | **Step 3 P&I** | **Step 3 # Payments** | **Step 4 Rate Change Date** | **Step 4 Payment Change Date** | **Step 4 Rate** | **Step 4 P&I** | **Step 4 # Payments** | **Step 5 Rate Change Date** | **Step 5 Payment Change Date** | **Step 5 Rate** | **Step 5 P&I** | **Step 5 # Payments** | **Step 6 Rate Change Date** | **Step 6 Payment Change Date** | **Step 6 Rate** | **Step 6 P&I** | **Step 6 # Payments** | **Step 7 Rate Change Date** | **Step 7 Payment Change Date** | **Step 7 Rate** | **Step 7 P&I** | **Step 7 # Payments** | **Step 8 Rate Change Date** | **Step 8 Payment Change Date** | **Step 8 Rate** | **Step 8 P&I** | **Step 8 # Payments** | **Step 9 Rate Change Date** | **Step 9 Payment Change Date** | **Step 9 Rate** | **Step 9 P&I** | **Step 9 # Payments** | **Step 10 Rate Change Date** | **Step 10 Payment Change Date** | **Step 10 Rate** | **Step 10 P&I** | **Step 10 # Payments** | **Mod Prepayment Penalty?** | **Mod Prepayment Penalty Period (months)** | **Mod Prepayment Penalty Percent Amount Year 1** | **Mod Prepayment Penalty Percent Amount Year 2** | **Mod Prepayment Penalty Percent Amount Year 3** | **Mod Prepayment Penalty Percent Amount Year 4** | **Mod Prepayment Penalty Percent Amount Year 5** | **Mod Prepayment Balance Allowance** | **Mod Prepayment Balance Type** | **Mod Hard Penalty Period (Months)** | **Mod Maximum Prepayment Penalty Amount** | **Mod Prepayment Penalty Enforcement** | **Mod Prepayment Penalty Expiration Date** | **Mod Prepayment Penalty Months Interest** | **Mod Stated Penalty Amount** | **Mod Prepayment Terms** | **Mod Extension Deferment?** | **Mod Extension Date** | **New Maturity Date** | **Mod Extension Months** | **Latest Mod Deferment Date** | **Number of Deferments** | **Total Mod Deferment Amount** | **Active Temp Mod?** | **Temp Mod Expiraton Date** | **Temp Mod Status** | **Temp Mod Reverts To** | **Temp Mod Amortization Type** | **Temp Mod UPB** | **Temp Mod Accruing UPB** | **Temp Mod Principal Forgiven** | **Temp Mod Deferred Balance** | **Temp Mod Date** | **Temp Mod First Payment Date** | **Temp Mod Maturity Date** | **Temp Mod Original Interest Rate** | **Temp Mod PI** | **Temp Mod Interest Only** | **Temp Mod Interest Only Period** | **Mod Comments** | **Post Mod Other Change** | **Post Mod Change Date** | **Post Mod Forgiveness Amount** | **Post Mod Change Comment** |
| XXXX |  |  |  | 3158536802 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158536807 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158536839 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158536844 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158536871 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158536890 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Recast / Reamortization | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158536891 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158536920 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158536921 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158536944 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. The current servicing modification date appears related to the forgiveness letter. | Yes | XX/XX/XXXX | $XXX | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. |
| XXXX |  |  |  | 3158536951 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158536970 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158536973 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158536974 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158536998 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXXhe modification fixes the Interest Rate for the life of the loan; all other terms of the original Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158537006 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | Yes | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification reflects a balloon, however, did not provide a fully amortizing balloon term. | No |  |  |  |
| XXXX |  |  |  | 3158537020 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | It appears the stated step payment per the modification is inclusive of the monthly escrow amounts. | No |  |  |  |
| XXXX |  |  |  | 3158537027 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537037 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Letters to the borrower dated XX/XX/XXXX forgave $XXX and dated XX/XX/XXXX forgave $XXX of the modification deferred balance. The current servicing modification date appears related to the forgiveness letter. | Yes | XX/XX/XXXX | $XXX | Letters to the borrower dated XX/XX/XXXX forgave $XXX and dated XX/XX/XXXX forgave $XXX of the modification deferred balance. |
| XXXX |  |  |  | 3158537054 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537067 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537071 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537079 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | It appears the stated step payment per the modification is inclusive of the monthly escrow amounts. | No |  |  |  |
| XXXX |  |  |  | 3158537086 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Recast / Reamortization | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537091 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537112 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537113 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537124 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537140 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158537144 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537184 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | Yes | XXX | XX/XX/XXXX | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. The current servicing modification date appears to be related to a forgiveness letter. | Yes | XX/XX/XXXX | $XXX | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. |
| XXXX |  |  |  | 3158537199 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. | Yes | XX/XX/XXXX | $XXX | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. |
| XXXX |  |  |  | 3158537203 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537216 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 3 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537217 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537238 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537250 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537282 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 3 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537290 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537328 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537339 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537362 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Recast / Reamortization | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537386 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537394 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537397 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537411 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158537429 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537451 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferment agreement to account for the deferred balance variance of $XXXissing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158537452 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. The deferment agreement is incomplete due to missing the deferred amount. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158537453 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537463 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158537478 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537479 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158537507 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | Yes | XXX | XX/XX/XXXX | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158537520 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158537527 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158537541 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158537545 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No forgiveness located to account for the deferred variance of $XXX. The audited modification date is in line with the most recent, executed modification. The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158537573 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158537575 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158537580 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537596 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158537611 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. Current servicing reflects deferred monies in the amount of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158537645 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferment agreement to account for the deferred balance variance of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158537656 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No forgiveness located to account for the deferred variance of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158537661 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537667 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXXhe modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158537669 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537688 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537710 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537758 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537763 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158537796 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. The current servicing modification date appears related to the forgiveness letter. The current servicing P&I variance appears related to DSI. | Yes | XX/XX/XXXX | $XXX | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. |
| XXXX |  |  |  | 3158537797 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537806 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Incomplete | ARM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. The modification is a HELOC with interest rate and maturity change.; all other terms within the original HELOC agreement remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158537808 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158537809 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158537812 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158537819 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537829 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158537834 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the HELOC Agreement. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158537841 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158537857 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158537865 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Letters to the borrower dated XX/XX/XXXX updated the final step rate and payment to 4.75% and $XXX and dated XX/XX/XXXX forgave $XXX of the modification deferred balance. The current servicing modification date appears related to the forgiveness letter. The audited P&I amount is in line with the most recent, executed modification. | Yes | XX/XX/XXXX | $XXX | Letters to the borrower dated XX/XX/XXXX corrected the step rates and payment amounts and dated XX/XX/XXXX forgave $XXX of the modification deferred balance. |
| XXXX |  |  |  | 3158537870 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158537882 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158537891 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Incomplete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. No forgiveness located to account for the deferred variance of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158537932 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537956 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | Yes | XXX | XX/XX/XXXX | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No forgiveness located to account for the deferred variance of $44.29. The current servicing P&I variance appears related to the end of the I/O period. | No |  |  |  |
| XXXX |  |  |  | 3158537989 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537997 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158538001 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158538013 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXXhe current P&I variance appears related to a post modification letter dated XX/XX/XXXX that added past due taxes to the UPB which subsequently raised the P&I payments. | Yes | XX/XX/XXXX |  | A letter to the borrower dated XX/XX/XXXX added past due taxes to the UPB and subsequently raised the P&I. |
| XXXX |  |  |  | 3158538018 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538025 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158538050 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158538073 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferment agreement to account for the deferred balance variance of $XXX. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158538078 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538083 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538115 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538118 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538122 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538125 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538131 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Recast / Reamortization | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538171 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158538193 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. The current servicing modification date appears related to the forgiveness letter. The audited P&I amount is in line with the most recent, executed modification. | Yes | XX/XX/XXXX | $XXX | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. |
| XXXX |  |  |  | 3158538195 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538218 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538228 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No |  |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158538261 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538302 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I variance appears related to DSI. | No |  |  |  |
| XXXX |  |  |  | 3158538312 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158538324 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538329 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158538348 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538351 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538352 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538364 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Re-amortization. The current servicing data reflects deferred monies in the amount of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158538381 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538385 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158538391 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158538394 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Incomplete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. No forgiveness located to account for the deferred variance of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158538399 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158538419 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158538421 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158538427 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538438 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | ARM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXXhe modification is a HELOC due date and rate change, all other terms within the original HELOC agreement remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158538439 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538465 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferment agreement to account for the deferred balance variance of $XXX. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158538466 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. The current P&I variance appears related to a post modification letter dated XX/XX/XXXX that added past due taxes to the UPB which subsequently raised the P&I payments. | Yes | XX/XX/XXXX | $XXX | The current P&I variance appears related to a post modification letter dated XX/XX/XXXX that added past due taxes to the UPB which subsequently raised the P&I payments. |
| XXXX |  |  |  | 3158538477 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158538485 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158538501 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538507 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferment agreement to account for the deferred balance variance of $XXXissing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158538514 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538542 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158538572 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538583 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158538600 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538604 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158538617 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538619 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158538649 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | Yes | XXX | XX/XX/XXXX | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158538653 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158538655 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I variance appears related to a rate change letter dated XX/XX/XXXX which updated the following step P&I: X.XX% at $XXX and X.XX% at $XXX, however, it appears the final step payment is inclusive of escrows. | Yes | XX/XX/XXXX |  | The current servicing P&I variance appears related to a rate change letter dated XX/XX/XXXX which updated the following step P&I: X.XX% at $XXX and X.XX% at $XXX, however, it appears the final step payment is inclusive of escrows. |
| XXXX |  |  |  | 3158538660 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538670 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158538674 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Incomplete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. No forgiveness located to account for the deferred variance of $XX. | No |  |  |  |
| XXXX |  |  |  | 3158538678 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538689 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A letter to the borrower dated XX/XX/XXXX forgives $XXX of the modification deferred balance. The current servicing modification date appears related to a forgiveness letter. A rate change letter to the borrower dated XX/XX/XXXX reflects a change to the P&I: XX% at $XXX and X.XX% at $XXX, however, it appears the final step payment amount is inclusive of escrows. The current servicing P&I variance appears related to the inclusion of escrows for the final step payment amount. | Yes | XX/XX/XXXX | $XXX | A letter to the borrower dated XX/XX/XXXX forgives $XXX of the modification deferred balance. |
| XXXX |  |  |  | 3158538708 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158538709 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538710 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No |  |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I variance appears related to DSI. | No |  |  |  |
| XXXX |  |  |  | 3158538713 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158538717 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538723 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538730 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158538745 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the HELOC Agreement. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158538751 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158538752 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No forgiveness located to account for the deferred variance of $XXX. The audited modification date is in line with the most recent, executed modification. The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158538794 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158538807 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No forgiveness located to account for the deferred variance of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158538823 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538827 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538829 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158538846 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158538867 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538870 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538890 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538895 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158538909 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538924 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538937 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538940 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158538951 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158538962 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158539041 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539051 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I variance appears related to DSI. | No |  |  |  |
| XXXX |  |  |  | 3158539056 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I appears related to DSI. | No |  |  |  |
| XXXX |  |  |  | 3158539079 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158539101 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539117 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539118 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158539127 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the HELOC Agreement. | No |  |  |  |
| XXXX |  |  |  | 3158539137 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539139 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539156 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158539176 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539177 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. The current P&I variance appears related to a post modification letter dated XX/XX/XXXX that added past due taxes to the UPB which subsequently raised the P&I payments. | Yes | XX/XX/XXXX |  | The current P&I variance appears related to a post modification letter dated XX/XX/XXXX that added past due taxes to the UPB which subsequently raised the P&I payments. |
| XXXX |  |  |  | 3158539187 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158539190 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158539198 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539213 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539226 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158539248 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539266 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539275 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferment agreement to account for the deferred balance variance of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158539282 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A rate change letter to the borrower dated XX/XX/XXXX reflects a change to the P&I: XX% at $XXX and X.XX% at $XXX, however, it appears the final step payment amount is inclusive of escrows. The current servicing P&I variance appears related to the inclusion of escrows for the final step payment amount. | Yes | XX/XX/XXXX | $XXX | A rate change letter to the borrower dated XX/XX/XXXX reflects a change to the P&I: XX% at $XXX and X.XX% at $XXX, however, it appears the final step payment amount is inclusive of escrows. |
| XXXX |  |  |  | 3158539294 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158539310 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539322 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan, other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158539325 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Recast / Reamortization | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539328 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158539333 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158539354 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158539358 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539365 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158539371 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | Yes | XXX | XX/XX/XXXX | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I appears related to the end of the I/O period. | No |  |  |  |
| XXXX |  |  |  | 3158539385 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158539391 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. The current servicing modification date appears to be related to a forgiveness letter.<br> The audited P&I amount is in line with the most recent, executed modification. | Yes | XX/XX/XXXX | $XXX | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. |
| XXXX |  |  |  | 3158539398 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158539418 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158539423 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158539438 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539455 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539457 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158539463 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. No forgiveness located to account for the deferred variance of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158539469 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A letter to the borrower dated XX/XX/XXXX forgives the entire modification deferred balance of $XXXhe current servicing modification date appears related to a forgiveness letter. A rate change letter to the borrower dated XX/XX/XXXX reflects a change to the P&I: XX% at $XXX and X.XX% at $XXX, however, it appears the final step payment amount is inclusive of escrows. The current servicing P&I variance appears related to the inclusion of escrows for the final step payment amount. | Yes | XX/XX/XXXX | $XXX | A letter to the borrower dated XX/XX/XXXX forgives the entire modification deferred balance of $XXXA rate change letter to the borrower dated XX/XX/XXXX reflects a change to the P&I: XX% at $XXX and X.XX% at $XXX, however, it appears the final step payment amount is inclusive of escrows. |
| XXXX |  |  |  | 3158539476 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158539496 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158539534 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539535 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158539566 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | Yes | XXX | XX/XX/XXXX | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. The current servicing modification date appears to be related to a forgiveness letter. The current servicing P&I variance appears related to the end of the I/O period. | Yes | XX/XX/XXXX | $XXX | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. |
| XXXX |  |  |  | 3158539591 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I variance appears related to DSI. | No |  |  |  |
| XXXX |  |  |  | 3158539597 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158539602 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539603 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539607 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158539608 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a DOJ mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. The current P&I variance appears related to a post modification letter dated XX/XX/XXXX that added past due taxes to the UPB which subsequently raised the P&I payments. | Yes | XX/XX/XXXX |  | The current P&I variance appears related to a post modification letter dated XX/XX/XXXX that added past due taxes to the UPB which subsequently raised the P&I payments. |
| XXXX |  |  |  | 3158539612 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539616 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158539663 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXXissing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158539668 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539674 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539678 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539690 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158539691 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158539694 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539695 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539699 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539700 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539717 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a DOJ mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. The current P&I variance appears related to a post modification letter dated XX/XX/XXXX that added past due taxes to the UPB which subsequently increased the P&I payments. | Yes | XX/XX/XXXX |  | The current P&I variance appears related to a post modification letter dated XX/XX/XXXX that added past due taxes to the UPB which subsequently increased the P&I payments. |
| XXXX |  |  |  | 3158539736 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539743 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158539744 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158539774 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539777 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferment agreement to account for the deferred balance variance of $XXX. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158539783 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158539805 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Incomplete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. No forgiveness located to account for the deferred variance of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158539813 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539824 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferment agreement to account for the deferred balance variance of $XXX. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158539826 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539828 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539829 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Incomplete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Bankruptcy Plan | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the maturity date and amortization term. | No |  |  |  |
| XXXX |  |  |  | 3158539844 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539855 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539861 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539863 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539867 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158539885 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539889 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539895 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | It appears the stated step payment per the modification is inclusive of the monthly escrow amounts. | No |  |  |  |
| XXXX |  |  |  | 3158539911 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 5 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539919 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539927 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539932 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539933 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539943 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158539947 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158539956 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158539981 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158539982 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXX letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. The current servicing modification date appears to be related to forgiveness letter. The audited P&I amount is in line with the most recent, executed modification. | Yes | XX/XX/XXXX | $XXX | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. |
| XXXX |  |  |  | 3158539992 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXXhe modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158539997 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540023 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158540031 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158540040 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540071 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXXissing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158540093 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158540095 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540100 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158540125 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540130 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I variance appears related to DSI. | No |  |  |  |
| XXXX |  |  |  | 3158540146 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540153 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158540167 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. The current servicing modification date appears to be related to a forgiveness letter. The current servicing P&I variance appears related to DSI. | Yes | XX/XX/XXXX | $XXX | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. |
| XXXX |  |  |  | 3158540174 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540197 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158540209 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158540217 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540221 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158540242 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158540244 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158540248 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158540252 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158540260 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158540306 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158540309 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158540310 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158540323 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540326 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540354 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540363 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158540366 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158540367 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158540368 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158540375 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540391 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158540397 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158540399 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158540414 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Incomplete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. | No |  |  |  |
| XXXX |  |  |  | 3158540416 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540440 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540447 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540450 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540451 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158540466 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. The current servicing modification date appears to be related to a forgiveness letter. | Yes | XX/XX/XXXX | $XXX | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. |
| XXXX |  |  |  | 3158540473 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Incomplete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. | No |  |  |  |
| XXXX |  |  |  | 3158540483 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158540488 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the HELOC Agreement. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158540495 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540508 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158540519 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158540524 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158540532 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferment agreement to account for the deferred balance variance of $XXX. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158540541 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540568 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158540573 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferment agreement to account for the deferred balance variance of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158540578 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. A rate change letter dated XX/XX/XXXX reflects a change to the step P&I: XX% at $XXX and XX% at $XXX, however, it appears the final step P&I is inclusive of escrows. | Yes | XX/XX/XXXX |  | A rate change letter dated XX/XX/XXXX reflects a change to the step P&I: XX% at $XXX and XX% at $XXX, however, it appears the final step P&I is inclusive of escrows. |
| XXXX |  |  |  | 3158540583 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158540599 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No |  |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I variance appears related to DSI. | No |  |  |  |
| XXXX |  |  |  | 3158540627 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540637 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Incomplete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. | No |  |  |  |
| XXXX |  |  |  | 3158540648 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540649 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540654 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540667 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158540668 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540674 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158540681 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158540692 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158540696 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158540702 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158540713 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540775 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158540780 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current P&I variance appears related to a post modification letter dated XX/XX/XXXX that added past due taxes to the UPB which subsequently raised the P&I payments. | Yes | XX/XX/XXXX |  | The current P&I variance appears related to a post modification letter dated XX/XX/XXXX that added past due taxes to the UPB which subsequently raised the P&I payments. |
| XXXX |  |  |  | 3158540786 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540850 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXXhe current servicing modification date, maturity date, interest rate and payment amount appear to be related to the prior modification dated XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158540857 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158540864 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects<br> deferred monies in the amount of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158540872 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158540877 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540883 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158540908 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540918 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158540925 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferment agreement to account for the deferred balance variance of $XXX. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158540945 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540946 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540958 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540970 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158540971 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540977 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540985 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158540995 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXXhe original Note reflects an ARM, however, current data reflects the loan is now Fixed. | No |  |  |  |
| XXXX |  |  |  | 3158541005 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541016 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541017 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541022 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158541023 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I variance appears related to DSI. | No |  |  |  |
| XXXX |  |  |  | 3158541025 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158541037 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A rate change letter to the borrower dated XX/XX/XXXX reflects a change to the step P&I: XX% at $XXX and XX% at $XXX, however, it appears the final step payment amount is inclusive of escrows. | Yes | XX/XX/XXXX |  | A rate change letter to the borrower dated XX/XX/XXXX reflects a change to the step P&I: XX% at $XXX and XX% at $XXX, however, it appears the final step payment amount is inclusive of escrows. |
| XXXX |  |  |  | 3158541041 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158541069 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158541077 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158541085 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A rate change letter dated XX/XX/XXXX reflects a change to the step amount of XX% at $XXX rate change letter dated XX/XX/XXXX reflects a change to the step payment amounts: XX% at $XXX and 4.5% at $XXX, however, it appears the final step payment amount is inclusive of escrows. | Yes | XX/XX/XXXX |  | A rate change letter dated XX/XX/XXXX reflects a change to the step amount of XX% at $XXX rate change letter dated XX/XX/XXXX reflects a change to the step payment amounts: XX% at $XXX and XX% at $XXX, however, it appears the final step payment amount is inclusive of escrows. |
| XXXX |  |  |  | 3158541089 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541092 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158541103 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158541105 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158541106 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158541110 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. | No |  |  |  |
| XXXX |  |  |  | 3158541111 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158541141 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a DOJ mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158541142 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I variance appears related to DSI. | No |  |  |  |
| XXXX |  |  |  | 3158541148 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541149 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541155 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158541161 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541179 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158541189 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158541194 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing the Modification with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158541195 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158541227 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158541235 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158541236 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541247 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing the Modification with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The original Note reflects an ARM, however, current data reflects the loan is now Fixed. | No |  |  |  |
| XXXX |  |  |  | 3158541248 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541261 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158541263 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158541264 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158541313 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541320 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing the Modification with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. The original Note reflects an ARM, however, current data reflects the loan is now Fixed. | No |  |  |  |
| XXXX |  |  |  | 3158541329 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A rate change letter dated XX/XX/XXXX reflects a change to the step P&I: XX% at $XXX and XX% at $XXX, however, it appears the final step P&I is inclusive of escrows. | Yes | XX/XX/XXXX |  | A rate change letter dated XX/XX/XXXX reflects a change to the step P&I: XX% at $XXX and XX% at $XXX, however, it appears the final step P&I is inclusive of escrows. |
| XXXX |  |  |  | 3158541339 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Incomplete | ARM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. Missing a deferment agreement to account for the deferred balance variance of $XXXhe modification is a HELOC with interest rate change and maturity date change; all other terms within the original HELOC agreement remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158541343 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX | No |  |  |  |
| XXXX |  |  |  | 3158541349 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541351 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541367 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158541369 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Incomplete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. Missing a deferment agreement to account for the deferred balance variance of $XXX. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158541372 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158541379 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158541380 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541383 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541395 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I variance appears related to a Capitalization and Escrow Account Agreement dated XX/XX/XXXX that added past due property taxes to the UPB. | Yes | XX/XX/XXXX |  | The current servicing P&I variance appears related to a Capitalization and Escrow Account Agreement dated XX/XX/XXXX that added past due property taxes to the UPB. |
| XXXX |  |  |  | 3158541397 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541403 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158541406 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158541408 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541416 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541433 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158541443 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541444 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 3 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158541457 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158541462 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No forgiveness located to account for the deferred variance of $XXX. The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158541481 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXXhe modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158541491 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I variance appears related to a letter dated XX/XX/XXXX which added past due property taxes to the UPB and subsequently increased the P&I. | Yes | XX/XX/XXXX |  | The current servicing P&I variance appears related to a letter dated XX/XX/XXXX which added past due property taxes to the UPB and subsequently increased the P&I. |
| XXXX |  |  |  | 3158541539 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX |  | XX/XX/XXXX | 3 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferment agreement to account for the deferred balance variance of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158541542 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541552 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. The current servicing modification date appears related to the forgiveness letter. The audited P&I amount is in line with the most recent, executed modification. | Yes | XX/XX/XXXX | $XXX | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. |
| XXXX |  |  |  | 3158541570 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No forgiveness located to account for the deferred balance variance of $XXX rate change letter dated XX/XX/XXXX reflects a change to the step P&I of XX% at $XXX rate change letter dated XX/XX/XXXX reflects a change to the step P&I: X.XX% at $XXX and XX% at $XXX, however, it appears the final step payment amount is inclusive of escrows. | Yes | XX/XX/XXXX |  | A rate change letter dated XX/XX/XXXX reflects a change to the step P&I of XX% at $XXX rate change letter dated XX/XX/XXXX reflects a change to the step P&I: X.XX% at $XXX and XX% at $XXX, however, it appears the final step payment amount is inclusive of escrows. |
| XXXX |  |  |  | 3158541572 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541590 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541592 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158541604 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158541616 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158541619 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541621 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No forgiveness located to account for the deferred variance of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158541642 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541646 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158541665 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158541667 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158541674 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158541678 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158541699 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. The current P&I variance appears related to a post modification letter dated XX/XX/XXXX that added past due taxes to the UPB which subsequently raised the P&I payments. | Yes | XX/XX/XXXX | $XXX | The current P&I variance appears related to a post modification letter dated XX/XX/XXXX that added past due taxes to the UPB which subsequently raised the P&I payments. |
| XXXX |  |  |  | 3158541714 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 4 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the HELOC Agreement. Missing a deferment agreement to account for the deferred balance variance of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158541725 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158541726 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158541739 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Incomplete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. | No |  |  |  |
| XXXX |  |  |  | 3158541741 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current deferred balance variance appears to be related to the prior modification dated XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158541745 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158541748 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158541756 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A rate change letter to the borrower dated XX/XX/XXXX reflects a change to the step P&I: XX% at $XXX and XX% at $XXX, however, it appears the final step payment is inclusive of escrows. | Yes | XX/XX/XXXX |  | A rate change letter to the borrower dated XX/XX/XXXX reflects a change to the step P&I: XX% at $XXX and XX% at $XXX, however, it appears the final step payment is inclusive of escrows. |
| XXXX |  |  |  | 3158541760 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158541811 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541812 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158541814 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541834 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. | No |  |  |  |
| XXXX |  |  |  | 3158541835 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158541855 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158541858 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I variance appears related to DSI. | No |  |  |  |
| XXXX |  |  |  | 3158541859 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I variance appears related to DSI. | No |  |  |  |
| XXXX |  |  |  | 3158541869 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541874 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541877 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I variance appears related to DSI. | No |  |  |  |
| XXXX |  |  |  | 3158541903 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541918 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541930 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158541939 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541941 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158541956 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158541992 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Incomplete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. The audited maturity date is in line with the most recent, executed modification. The current servicing interest rate and payment amount appear to be related to the Original Note. | No |  |  |  |
| XXXX |  |  |  | 3158541999 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542000 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542019 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158542024 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158542036 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542038 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158542042 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542050 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542069 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542072 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No forgiveness located to account for the deferred variance of $XXX. The audited modification date and P&I payment amount are in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158542077 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the HELOC Agreement. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158542082 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I appears related to DSI. | No |  |  |  |
| XXXX |  |  |  | 3158542085 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the HELOC Agreement. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158542111 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542122 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. The current servicing modification date appears to be related to a forgiveness letter. The current servicing P&I amount variance appears to be related to the DSI. | Yes | XX/XX/XXXX | $XXX | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. |
| XXXX |  |  |  | 3158542128 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542129 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158542130 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158542138 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158542150 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158542181 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542183 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542202 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542220 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542222 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542237 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158542256 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The deferment agreement is incomplete due to missing the deferred amount. The current servicing P&I variance appears related to DSI. | No |  |  |  |
| XXXX |  |  |  | 3158542257 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158542259 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542264 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited maturity date is in line with the most recent, executed modification. The current servicing P&I variance appears related to a Capitalization and Escrow Account Agreement dated XX/XX/XXXX which added past due taxes to the UPB. | Yes | XX/XX/XXXX |  | The current servicing P&I variance appears related to a Capitalization and Escrow Account Agreement dated XX/XX/XXXX which added past due taxes to the UPB. |
| XXXX |  |  |  | 3158542269 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158542272 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158542289 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158542308 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a DOJ mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. The current P&I variance appears related to a post modification letter dated XX/XX/XXXX that added past due taxes to the UPB which subsequently raised the P&I payments. | Yes | XX/XX/XXXX | $XXX | The current P&I variance appears related to a post modification letter dated XX/XX/XXXX that added past due taxes to the UPB which subsequently raised the P&I payments. |
| XXXX |  |  |  | 3158542321 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I variance appears related to DSI. | No |  |  |  |
| XXXX |  |  |  | 3158542323 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. | No |  |  |  |
| XXXX |  |  |  | 3158542340 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I variance appears related to DSI | No |  |  |  |
| XXXX |  |  |  | 3158542344 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158542379 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158542382 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferment agreement to account for the deferred balance variance of $XXX. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  |  |  | 3158542387 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158542395 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXXXX mod that fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158542401 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the 'ESTIMATED' amount of principal and interest payments per the modification. | No |  |  |  |
| XXXX |  |  |  | 3158542410 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158542442 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542477 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542484 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542486 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542492 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing the Modification with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The original Note is an ARM, however, current data reflects the loan is now Fixed. | No |  |  |  |
| XXXX |  |  |  | 3158542497 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542512 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Incomplete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. No forgiveness located to account for the deferred variance of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158542513 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542526 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | Yes | $XXX | $XXX | XX/XX/XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  |  |  | 3158542532 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXX | XX/XX/XXXX | XX% | $XXX | XX | XX/XX/XXXX | XX/XX/XXXX | XX% | $XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I variance appears related to DSI. | No |  |  |  |
| XXXX |  |  |  | 3158542534 | XXXX | XXXX | XXXXX | XX | XXXXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXX | XXX | XX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | XXX |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158542552 | XXXX | XXXX | XXXXX | XX | XXXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

![](ex99-01.jpg)

**Exception Standard Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Alternate Loan ID** | **Loan Exception ID** | **Exception ID** | **Investor Loan Number** | **Last Name** | **Purpose** | **Occupancy** | **Note Date** | **State** | **Original Loan Amount** | **Loan Status** | **Exception Date** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **Exception Status** | **Exception Status Change Date** | **Exception Grade** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Statute of Limitation Date** | **Comments** |
| XXXX |  |  |  | 3158536998 | 33497990 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158537140 | 33498029 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  | Reviewer Comment (2025-07-03): Exception cleared. |
| XXXX |  |  |  | 3158537216 | 33506980 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  | Reviewer Comment (2025-07-03): Exception cleared. |
| XXXX |  |  |  | 3158537451 | 33498749 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158537451 | 33498900 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158537451 | 33498902 | 18007 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | cleared | XX/XX/XXXX | 1 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the first payment date and amortization term. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158537452 | 33498675 | 24160 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | open |  | 3 | Incomplete Document: Deferment |  | The deferment agreement is incomplete due to missing the deferred amount. |  |  |  |
| XXXX |  |  |  | 3158537452 | 33498686 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158537545 | 33498776 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158537575 | 33508198 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158537596 | 33508263 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158537611 | 33484630 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. Current servicing reflects deferred monies in the amount of $XXX. |  |  |  |
| XXXX |  |  |  | 3158537645 | 33498846 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158537667 | 33498777 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158537806 | 33490436 | 18007 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | open |  | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  |  |  | 3158537809 | 33498991 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158537834 | 33508464 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX toXX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158537857 | 33508262 | 18007 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | cleared | XX/XX/XXXX | 1 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the first payment date and amortization term. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158537857 | 33528343 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158537891 | 33490846 | 18007 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | open |  | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  |  |  | 3158538001 | 33490921 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of X.XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of XXXX. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158538013 | 33490844 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:50:40 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158538073 | 33506751 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158538073 | 33506755 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158538228 | 33498892 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Re-amortization. |  |  | Reviewer Comment (2025-07-03): Exception cleared. |
| XXXX |  |  |  | 3158538312 | 33506783 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of X.XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |  |  |  |
| XXXX |  |  |  | 3158538364 | 33507066 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Re-amortization. The current servicing data reflects deferred monies in the amount of $XXX. |  |  |  |
| XXXX |  |  |  | 3158538394 | 33498844 | 18007 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | open |  | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  |  |  | 3158538399 | 33499071 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158538419 | 33499057 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158538427 | 33506718 | 24160 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | cleared | XX/XX/XXXX | 1 | Incomplete Document: Deferment |  | The deferment agreement is incomplete due to missing the deferred amount. |  |  | Reviewer Comment (2025-07-03): Exception cleared. |
| XXXX |  |  |  | 3158538438 | 33485231 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158538465 | 33506652 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158538465 | 33506678 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158538466 | 33506903 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158538485 | 33499019 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158538507 | 33506827 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158538507 | 33506829 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158538542 | 33506816 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158538542 | 33506821 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  | Reviewer Comment (2025-07-03): Exception cleared. |
| XXXX |  |  |  | 3158538604 | 33507043 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158538619 | 33499140 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Re-amortization. The current servicing data reflects deferred monies in the amount of $XXX. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158538649 | 33498889 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158538674 | 33499080 | 18007 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | open |  | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  |  |  | 3158538713 | 33507046 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |  |  |  |
| XXXX |  |  |  | 3158538745 | 33485207 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158538745 | 33850311 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:54:27 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158538752 | 33507074 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the modification dated XX/XX/XXXX with a current interest rate of XX% a current P&I of $XXX, and a maturity date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |  |  | Reviewer Comment (2025-07-03): Exception cleared. |
| XXXX |  |  |  | 3158538846 | 33484974 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158539226 | 33513934 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  | Reviewer Comment (2025-07-03): Exception cleared. |
| XXXX |  |  |  | 3158539275 | 33512963 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  | Reviewer Comment (2025-07-03): Exception cleared. |
| XXXX |  |  |  | 3158539275 | 33512986 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158539282 | 33528715 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158539328 | 33527249 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158539365 | 33513076 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |  |  |  |
| XXXX |  |  |  | 3158539457 | 33504889 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  | Reviewer Comment (2025-07-03): Exception cleared. |
| XXXX |  |  |  | 3158539663 | 33513339 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158539663 | 33513375 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158539744 | 33485361 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158539777 | 33513948 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158539777 | 33513951 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158539805 | 33514090 | 18007 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | open |  | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  |  |  | 3158539824 | 33513311 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158539824 | 33513312 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158539829 | 33485356 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  | Reviewer Comment (2025-07-03): Exception cleared. |
| XXXX |  |  |  | 3158539829 | 33485420 | 18007 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | open |  | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the maturity date and amortization term. |  |  |  |
| XXXX |  |  |  | 3158539867 | 33521323 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158539943 | 33513288 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158539956 | 33514037 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/ Re-amortization. The current servicing data reflects deferred monies in the amount of $24,300.00. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158539982 | 33513353 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158539992 | 33514110 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158540071 | 33514166 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158540071 | 33514167 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158540093 | 33514164 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158540209 | 33527218 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158540221 | 33504913 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. |  |  | Reviewer Comment (2025-07-03): Exception cleared. |
| XXXX |  |  |  | 3158540248 | 33514126 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158540252 | 33488360 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. |  |  | Reviewer Comment (2025-07-03): Exception cleared. |
| XXXX |  |  |  | 3158540260 | 33520930 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158540310 | 33520782 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158540414 | 33488483 | 18007 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | open |  | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  |  |  | 3158540440 | 33522199 | 24160 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | cleared | XX/XX/XXXX | 1 | Incomplete Document: Deferment |  | The deferment agreement is incomplete due to missing the deferred amount. |  |  | Reviewer Comment (2025-07-03): Exception cleared. |
| XXXX |  |  |  | 3158540473 | 33520965 | 18007 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | open |  | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  |  |  | 3158540488 | 33527310 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158540508 | 33527259 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158540532 | 33520805 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158540532 | 33520806 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158540573 | 33513120 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158540637 | 33514102 | 18007 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | open |  | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  |  |  | 3158540850 | 33514413 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158540864 | 33520852 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |  |  |  |
| XXXX |  |  |  | 3158540872 | 33521747 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. The current servicing data reflects deferred monies in the amount of $XXX. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158540925 | 33521345 | 18007 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | cleared | XX/XX/XXXX | 1 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the first payment date and amortization term. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158540925 | 33521349 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158540925 | 33521360 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158540995 | 33521029 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXXhe original Note reflects an ARM, however, current data reflects the loan is now Fixed. |  |  |  |
| XXXX |  |  |  | 3158541041 | 33527269 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the Modification with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158541041 | 33850464 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 11:13:31 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158541105 | 33521725 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158541111 | 33527257 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158541111 | 33527271 | 18007 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | cleared | XX/XX/XXXX | 1 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the first payment date and amortization term. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158541189 | 33521905 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158541194 | 33522485 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Modification not provided |  | Missing the Modification with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |  |  |  |
| XXXX |  |  |  | 3158541227 | 33521823 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158541247 | 33527263 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Modification not provided |  | Missing the Modification with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The original Note reflects an ARM, however, current data reflects the loan is now Fixed. |  |  |  |
| XXXX |  |  |  | 3158541261 | 33521863 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158541264 | 33521956 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158541320 | 33522010 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Modification not provided |  | Missing the Modification with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. The original Note reflects an ARM, however, current data reflects the loan is now Fixed. |  |  |  |
| XXXX |  |  |  | 3158541339 | 33488752 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX |  |  |  |
| XXXX |  |  |  | 3158541339 | 33488794 | 18007 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | open |  | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  |  |  | 3158541343 | 33527177 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX |  |  |  |
| XXXX |  |  |  | 3158541369 | 33521828 | 18007 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | open |  | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  |  |  | 3158541369 | 33521830 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158541369 | 33521832 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158541372 | 33527276 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158541444 | 33522209 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  | Reviewer Comment (2025-07-03): Exception cleared. |
| XXXX |  |  |  | 3158541462 | 33521245 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/ Re-amortization. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158541481 | 33522188 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158541539 | 33522288 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  | Reviewer Comment (2025-07-03): Exception cleared. |
| XXXX |  |  |  | 3158541539 | 33522445 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158541604 | 33521900 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. The current servicing data reflects deferred monies in the amount of XXXX. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158541714 | 33521357 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158541739 | 33520972 | 18007 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | open |  | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  |  |  | 3158541745 | 33522444 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. The current servicing data reflects deferred monies in the amount of XXXX. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158541874 | 33521424 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  | Reviewer Comment (2025-07-03): Exception cleared. |
| XXXX |  |  |  | 3158541992 | 33527240 | 18007 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | open |  | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  |  |  | 3158542077 | 33508507 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158542085 | 33514553 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158542122 | 33489027 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. |  |  | Reviewer Comment (2025-07-03): Exception cleared. |
| XXXX |  |  |  | 3158542237 | 33522649 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158542256 | 33522709 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |
| XXXX |  |  |  | 3158542256 | 33850662 | 24160 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 11:33:40 AM | Loan Package Documentation | Application / Processing | Credit | open |  | 3 | Incomplete Document: Deferment |  | The deferment agreement is incomplete due to missing the deferred amount. |  |  |  |
| XXXX |  |  |  | 3158542257 | 33522807 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158542269 | 33488917 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. |  |  | Reviewer Comment (2025-07-03): Exception cleared. |
| XXXX |  |  |  | 3158542289 | 33508225 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158542379 | 33522852 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158542382 | 33522886 | 24159 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158542382 | 33522896 | 5003 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158542401 | 33522920 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of XXXX. |  |  | Reviewer Comment (2025-07-03): Exception cleared. |
| XXXX |  |  |  | 3158542492 | 33527339 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | open |  | 3 | Missing Document: Modification not provided |  | Missing the Modification with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The original Note is an ARM, however, current data reflects the loan is now Fixed. |  |  |  |
| XXXX |  |  |  | 3158542512 | 33491072 | 18007 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Loan Package Documentation | Application / Processing | Credit | open |  | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  |  |  | 3158542526 | 33522988 | 2801 | XXXX | XXXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX 10:20:52 AM | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  | Reviewer Comment (2025-07-07): Exception cleared. |

---

![](ex99-01.jpg)

**Data Compare**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Alternate Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| XXXX |  |  | 3158536844 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158536844 | Has Modification? | No |  |  |
| XXXX |  |  | 3158536844 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158536944 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date appears related to the forgiveness letter. |
| XXXX |  |  | 3158536998 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158536998 | Calculated Amount Due at Maturity | XXX | 0.00 | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158537020 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537037 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date appears related to the forgiveness letter. |
| XXXX |  |  | 3158537079 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537112 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537184 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date appears to be related to a forgiveness letter. |
| XXXX |  |  | 3158537199 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537411 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158537411 | Has Modification? | No |  |  |
| XXXX |  |  | 3158537411 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158537451 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX<br> to XX/XX/XXXX. |
| XXXX |  |  | 3158537451 | Calculated Amount Due at Maturity | XXX |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158537452 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX<br> to XX/XX/XXXX. |
| XXXX |  |  | 3158537452 | Calculated Amount Due at Maturity | XXX |  | The deferment agreement is incomplete due to missing the deferred amount. |
| XXXX |  |  | 3158537453 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537463 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537478 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537479 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158537479 | Has Modification? | No |  |  |
| XXXX |  |  | 3158537479 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158537507 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537520 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158537520 | Has Modification? | No |  |  |
| XXXX |  |  | 3158537520 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158537527 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537545 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The audited modification date is in line with the most recent, executed modification. |
| XXXX |  |  | 3158537545 | Calculated Amount Due at Maturity | 0.00 | XXX | No forgiveness located to account for the deferred variance of $XXX. |
| XXXX |  |  | 3158537573 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537575 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158537575 | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  |  | 3158537575 | Calculated Amount Due at Maturity | 0.00 |  | Field value reflects source document |
| XXXX |  |  | 3158537596 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158537596 | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  |  | 3158537596 | Calculated Amount Due at Maturity | 0.00 |  | Field value reflects source document |
| XXXX |  |  | 3158537611 | Mod Date | XX/XX/XXXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. Current servicing reflects deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158537611 | Mod Maturity Date | XX/XX/XXXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. Current servicing reflects deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158537611 | Calculated Amount Due at Maturity | XXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. Current servicing reflects deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158537645 | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158537656 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537656 | Calculated Amount Due at Maturity | 0.00 | XXX | No forgiveness located to account for the deferred variance of $XXX. |
| XXXX |  |  | 3158537667 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537667 | Calculated Amount Due at Maturity | XXX | 0.00 | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158537669 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537763 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158537763 | Has Modification? | No |  |  |
| XXXX |  |  | 3158537763 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158537796 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date appears related to the forgiveness letter. |
| XXXX |  |  | 3158537806 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537812 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158537812 | Has Modification? | No |  |  |
| XXXX |  |  | 3158537812 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158537834 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX<br> toXX/XX/XXXX. |
| XXXX |  |  | 3158537834 | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  |  | 3158537834 | Calculated Amount Due at Maturity | 0.00 |  | Field value reflects source document |
| XXXX |  |  | 3158537841 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158537841 | Has Modification? | No |  |  |
| XXXX |  |  | 3158537841 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158537857 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158537857 | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  |  | 3158537857 | Calculated Amount Due at Maturity | 0.00 |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158537865 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date appears related to the forgiveness letter. |
| XXXX |  |  | 3158537882 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158537882 | Has Modification? | No |  |  |
| XXXX |  |  | 3158537882 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158537891 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537891 | Calculated Amount Due at Maturity | XXX | XXX | No forgiveness located to account for the deferred variance of $XXX. |
| XXXX |  |  | 3158537956 | Mod Date |  | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537956 | Calculated Amount Due at Maturity | XXX | XXX | No forgiveness located to account for the deferred variance of $44.29. |
| XXXX |  |  | 3158537997 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158537997 | Has Modification? | No |  |  |
| XXXX |  |  | 3158537997 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158538013 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538013 | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158538025 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158538025 | Has Modification? | No |  |  |
| XXXX |  |  | 3158538025 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158538050 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158538050 | Has Modification? | No |  |  |
| XXXX |  |  | 3158538050 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158538073 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158538073 | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158538083 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538125 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538171 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538193 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date appears related to the forgiveness letter. |
| XXXX |  |  | 3158538312 | Mod Date | XX/XX/XXXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158538312 | Mod Maturity Date | XX/XX/XXXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158538312 | Calculated Amount Due at Maturity | XXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158538329 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158538329 | Has Modification? | No |  |  |
| XXXX |  |  | 3158538329 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158538352 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538364 | Mod Date | XX/XX/XXXX |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Re-amortization. The current servicing data reflects deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158538364 | Mod Maturity Date | XX/XX/XXXX |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Re-amortization. The current servicing data reflects deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158538364 | Calculated Amount Due at Maturity | XXX |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Re-amortization. The current servicing data reflects deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158538385 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538391 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158538391 | Has Modification? | No |  |  |
| XXXX |  |  | 3158538391 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158538394 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538394 | Calculated Amount Due at Maturity | XXX | XXX | No forgiveness located to account for the deferred variance of $XXX. |
| XXXX |  |  | 3158538419 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538419 | Calculated Amount Due at Maturity | XXX | 0.00 | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158538438 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538438 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Field value reflects source document |
| XXXX |  |  | 3158538438 | Calculated Amount Due at Maturity | XXX | 0.00 | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158538465 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX<br> to XX/XX/XXXX. |
| XXXX |  |  | 3158538465 | Calculated Amount Due at Maturity | XXX |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158538466 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538466 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158538477 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538507 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158538507 | Calculated Amount Due at Maturity | XXX |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158538542 | Calculated Amount Due at Maturity | XXX | 0.00 | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158538583 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158538583 | Has Modification? | No |  |  |
| XXXX |  |  | 3158538583 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158538604 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538604 | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158538617 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Field value reflects source document |
| XXXX |  |  | 3158538649 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538649 | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158538660 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538670 | Mod Maturity Date | XX/XX/XXXX |  | Not Modified: The loan is currently servicing at the terms of the HELOC Agreement. |
| XXXX |  |  | 3158538670 | Calculated Amount Due at Maturity | 0.00 |  | Not Modified: The loan is currently servicing at the terms of the HELOC Agreement. |
| XXXX |  |  | 3158538674 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538674 | Calculated Amount Due at Maturity | 0.00 | XXX | No forgiveness located to account for the deferred variance of $XX. |
| XXXX |  |  | 3158538689 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date appears related to a forgiveness letter. |
| XXXX |  |  | 3158538708 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538713 | Mod Date | XX/XX/XXXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158538713 | Mod Maturity Date | XX/XX/XXXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158538713 | Calculated Amount Due at Maturity | XXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158538730 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538745 | Mod Date | XX/XX/XXXX |  | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538745 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158538751 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158538751 | Has Modification? | No |  |  |
| XXXX |  |  | 3158538751 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158538752 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The audited modification date is in line with the most recent, executed modification. |
| XXXX |  |  | 3158538752 | Calculated Amount Due at Maturity | XXX | XXX | No forgiveness located to account for the deferred variance of $XXX. |
| XXXX |  |  | 3158538807 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538807 | Calculated Amount Due at Maturity | 0.00 | XXX | No forgiveness located to account for the deferred variance of $XXX. |
| XXXX |  |  | 3158538829 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158538829 | Has Modification? | No |  |  |
| XXXX |  |  | 3158538829 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158538846 | Mod Date | XX/XX/XXXX |  | Not Modified: The loan is currently servicing at the terms of the HELOC Agreement. The current servicing modification date appears to be related to the cancellation of mortgage assistance. |
| XXXX |  |  | 3158538846 | Mod Maturity Date | XX/XX/XXXX |  | Not Modified: The loan is currently servicing at the terms of the HELOC Agreement. |
| XXXX |  |  | 3158538846 | Has Modification? | Yes | No | Not Modified: The loan is currently servicing at the terms of the HELOC Agreement. |
| XXXX |  |  | 3158538846 | Calculated Amount Due at Maturity | 0.00 |  | Not Modified: The loan is currently servicing at the terms of the HELOC Agreement. |
| XXXX |  |  | 3158538870 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538895 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158538895 | Has Modification? | No |  |  |
| XXXX |  |  | 3158538895 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158538940 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158538962 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539041 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539079 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158539079 | Has Modification? | No |  |  |
| XXXX |  |  | 3158539079 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158539118 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158539118 | Has Modification? | No |  |  |
| XXXX |  |  | 3158539118 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158539139 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539156 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158539156 | Has Modification? | No |  |  |
| XXXX |  |  | 3158539156 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158539177 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539187 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539190 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158539190 | Has Modification? | No |  |  |
| XXXX |  |  | 3158539190 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158539226 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539275 | Calculated Amount Due at Maturity | XXX |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158539294 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158539294 | Has Modification? | No |  |  |
| XXXX |  |  | 3158539294 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158539310 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539322 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539328 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158539328 | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  |  | 3158539333 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539354 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158539354 | Has Modification? | No |  |  |
| XXXX |  |  | 3158539354 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158539358 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539365 | Mod Date | XX/XX/XXXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158539365 | Mod Maturity Date | XX/XX/XXXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158539365 | Calculated Amount Due at Maturity | XXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158539371 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539385 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158539385 | Has Modification? | No |  |  |
| XXXX |  |  | 3158539385 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158539391 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date appears to be related to a forgiveness letter. |
| XXXX |  |  | 3158539398 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539455 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539463 | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  |  | 3158539463 | Calculated Amount Due at Maturity | 0.00 | XXX | No forgiveness located to account for the deferred variance of $XXX. |
| XXXX |  |  | 3158539469 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date appears related to a forgiveness letter. |
| XXXX |  |  | 3158539476 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158539476 | Has Modification? | No |  |  |
| XXXX |  |  | 3158539476 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158539496 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539496 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Field value reflects source document |
| XXXX |  |  | 3158539534 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539535 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539566 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date appears to be related to a forgiveness letter |
| XXXX |  |  | 3158539597 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539607 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158539607 | Has Modification? | No |  |  |
| XXXX |  |  | 3158539607 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158539608 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539612 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Field value reflects source document |
| XXXX |  |  | 3158539616 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539616 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Field value reflects source document |
| XXXX |  |  | 3158539663 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539663 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158539663 | Calculated Amount Due at Maturity | XXX | 0.00 | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158539690 | Mod Maturity Date | XX/XX/XXXX |  | Not Modified: The loan is currently servicing at the terms of the Fixed Rate Note. The current P&I variance appears related to letters dated XX/XX/XXXX and XX/XX/XXXX that added past due amounts to the UPB which subsequently raised the P&I payments. |
| XXXX |  |  | 3158539690 | Calculated Amount Due at Maturity | 0.00 |  | Not Modified: The loan is currently servicing at the terms of the Fixed Rate Note. The current P&I variance appears related to letters dated XX/XX/XXXX and XX/XX/XXXX that added past due amounts to the UPB which subsequently raised the P&I payments. |
| XXXX |  |  | 3158539691 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539717 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539744 | Mod Date | XX/XX/XXXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. |
| XXXX |  |  | 3158539744 | Mod Maturity Date | XX/XX/XXXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. |
| XXXX |  |  | 3158539744 | Calculated Amount Due at Maturity | 0.00 |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. |
| XXXX |  |  | 3158539774 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539777 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158539777 | Calculated Amount Due at Maturity | XXX |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158539783 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539805 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539805 | Calculated Amount Due at Maturity | 0.00 | XXX | No forgiveness located to account for the deferred variance of $XXX. |
| XXXX |  |  | 3158539813 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539824 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX<br> to XX/XX/XXXX. |
| XXXX |  |  | 3158539824 | Calculated Amount Due at Maturity | XXX |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158539829 | Mod Date |  | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539844 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539844 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Field value reflects source document |
| XXXX |  |  | 3158539867 | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158539889 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539895 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539932 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539981 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539982 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date appears to be related to forgiveness letter. |
| XXXX |  |  | 3158539982 | Calculated Amount Due at Maturity | XXX | 0.00 | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158539992 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158539992 | Calculated Amount Due at Maturity | XXX | 0.00 | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158540071 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540071 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158540071 | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158540095 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540100 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158540100 | Has Modification? | No |  |  |
| XXXX |  |  | 3158540100 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158540167 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date appears to be related to a forgiveness letter. |
| XXXX |  |  | 3158540197 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540209 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158540209 | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  |  | 3158540209 | Calculated Amount Due at Maturity | 0.00 |  | Field value reflects source document |
| XXXX |  |  | 3158540244 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158540244 | Has Modification? | No |  |  |
| XXXX |  |  | 3158540244 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158540248 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540248 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158540306 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158540306 | Has Modification? | No |  |  |
| XXXX |  |  | 3158540306 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158540309 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540310 | Mod Date | XX/XX/XXXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. |
| XXXX |  |  | 3158540310 | Mod Maturity Date | XX/XX/XXXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. |
| XXXX |  |  | 3158540310 | Calculated Amount Due at Maturity | 0.00 |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. |
| XXXX |  |  | 3158540363 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158540363 | Has Modification? | No |  |  |
| XXXX |  |  | 3158540363 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158540366 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158540366 | Has Modification? | No |  |  |
| XXXX |  |  | 3158540366 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158540367 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158540367 | Has Modification? | No |  |  |
| XXXX |  |  | 3158540367 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158540368 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540391 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158540391 | Has Modification? | No |  |  |
| XXXX |  |  | 3158540391 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158540397 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540414 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540414 | Calculated Amount Due at Maturity | XXX | XXX | Field value reflects source document |
| XXXX |  |  | 3158540416 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540447 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540451 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540466 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date appears to be related to a forgiveness letter. |
| XXXX |  |  | 3158540473 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540483 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158540483 | Has Modification? | No |  |  |
| XXXX |  |  | 3158540483 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158540488 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX<br> to XX/XX/XXXX. |
| XXXX |  |  | 3158540488 | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  |  | 3158540488 | Calculated Amount Due at Maturity | 0.00 |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX<br> to XX/XX/XXXX. |
| XXXX |  |  | 3158540508 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158540508 | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  |  | 3158540508 | Calculated Amount Due at Maturity | 0.00 |  | Field value reflects source document |
| XXXX |  |  | 3158540519 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158540519 | Has Modification? | No |  |  |
| XXXX |  |  | 3158540519 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158540524 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158540524 | Has Modification? | No |  |  |
| XXXX |  |  | 3158540524 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158540532 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158540532 | Calculated Amount Due at Maturity | XXX |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158540568 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540573 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Field value reflects source document |
| XXXX |  |  | 3158540573 | Calculated Amount Due at Maturity | XXX |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158540583 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158540583 | Has Modification? | No |  |  |
| XXXX |  |  | 3158540583 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158540637 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540674 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540681 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158540681 | Has Modification? | No |  |  |
| XXXX |  |  | 3158540681 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158540692 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540696 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158540696 | Has Modification? | No |  |  |
| XXXX |  |  | 3158540696 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158540702 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540780 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540850 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date, maturity date, interest rate and payment amount appear to be related to the prior modification dated XX/XX/XXXX. |
| XXXX |  |  | 3158540850 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date, maturity date, interest rate and payment amount appear to be related to the prior modification dated XX/XX/XXXX. |
| XXXX |  |  | 3158540850 | Calculated Amount Due at Maturity | XXX | 0.00 | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158540857 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540864 | Mod Date | XX/XX/XXXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects<br> deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158540864 | Mod Maturity Date | XX/XX/XXXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects<br> deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158540864 | Calculated Amount Due at Maturity | XXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects<br> deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158540908 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540918 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540925 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158540925 | Calculated Amount Due at Maturity | XXX |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158540946 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540958 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Field value reflects source document |
| XXXX |  |  | 3158540970 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158540995 | Mod Date | XX/XX/XXXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXXhe original Note reflects an ARM, however, current data reflects the loan is now Fixed. |
| XXXX |  |  | 3158540995 | Mod Maturity Date | XX/XX/XXXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXXhe original Note reflects an ARM, however, current data reflects the loan is now Fixed. |
| XXXX |  |  | 3158540995 | Calculated Amount Due at Maturity | XXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXXhe original Note reflects an ARM, however, current data reflects the loan is now Fixed. |
| XXXX |  |  | 3158541022 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158541022 | Has Modification? | No |  |  |
| XXXX |  |  | 3158541022 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158541025 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541041 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158541041 | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  |  | 3158541041 | Calculated Amount Due at Maturity | 0.00 |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158541069 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541077 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158541077 | Has Modification? | No |  |  |
| XXXX |  |  | 3158541077 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158541092 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158541092 | Has Modification? | No |  |  |
| XXXX |  |  | 3158541092 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158541103 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158541103 | Has Modification? | No |  |  |
| XXXX |  |  | 3158541103 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158541105 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541105 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX<br> to XX/XX/XXXX. |
| XXXX |  |  | 3158541106 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541106 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Field value reflects source document |
| XXXX |  |  | 3158541111 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158541111 | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  |  | 3158541111 | Calculated Amount Due at Maturity | 0.00 |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158541141 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541148 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541155 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158541155 | Has Modification? | No |  |  |
| XXXX |  |  | 3158541155 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158541179 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541189 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541194 | Mod Maturity Date | XX/XX/XXXX |  | Missing the Modification with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158541194 | Calculated Amount Due at Maturity | XXX |  | Missing the Modification with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |
| XXXX |  |  | 3158541195 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541235 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541235 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Field value reflects source document |
| XXXX |  |  | 3158541247 | Mod Maturity Date | XX/XX/XXXX |  | Missing the Modification with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The original Note reflects an ARM, however, current data reflects the loan is now Fixed. |
| XXXX |  |  | 3158541247 | Has Modification? | No | Yes | Missing the Modification with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The original Note reflects an ARM, however, current data reflects the loan is now Fixed. |
| XXXX |  |  | 3158541247 | Calculated Amount Due at Maturity | 0.00 |  | Missing the Modification with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The original Note reflects an ARM, however, current data reflects the loan is now Fixed. |
| XXXX |  |  | 3158541248 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541261 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541261 | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158541263 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158541263 | Has Modification? | No |  |  |
| XXXX |  |  | 3158541263 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158541320 | Mod Maturity Date | XX/XX/XXXX |  | Missing the Modification with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. The original Note reflects an ARM, however, current data reflects the loan is now Fixed. |
| XXXX |  |  | 3158541320 | Calculated Amount Due at Maturity | XXX |  | Missing the Modification with a current Interest Rate of XX% current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. The original Note reflects an ARM, however, current data reflects the loan is now Fixed. |
| XXXX |  |  | 3158541339 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541339 | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158541343 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX |
| XXXX |  |  | 3158541343 | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  |  | 3158541367 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541369 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541369 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158541369 | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158541372 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158541372 | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  |  | 3158541383 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541395 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541403 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158541403 | Has Modification? | No |  |  |
| XXXX |  |  | 3158541403 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158541433 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158541433 | Has Modification? | No |  |  |
| XXXX |  |  | 3158541433 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158541457 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541462 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541462 | Calculated Amount Due at Maturity | 0.00 | XXX | No forgiveness located to account for the deferred variance of $XXX. |
| XXXX |  |  | 3158541481 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541481 | Calculated Amount Due at Maturity | XXX | 0.00 | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158541491 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541539 | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158541552 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date appears related to the forgiveness letter. |
| XXXX |  |  | 3158541570 | Calculated Amount Due at Maturity | 0.00 | XXX | No forgiveness located to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158541572 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541592 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158541592 | Has Modification? | No |  |  |
| XXXX |  |  | 3158541592 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158541616 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158541616 | Has Modification? | No |  |  |
| XXXX |  |  | 3158541616 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158541621 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541621 | Calculated Amount Due at Maturity | XXX | XXX | No forgiveness located to account for the deferred variance of $XXX. |
| XXXX |  |  | 3158541674 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158541674 | Has Modification? | No |  |  |
| XXXX |  |  | 3158541674 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158541678 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158541678 | Has Modification? | No |  |  |
| XXXX |  |  | 3158541678 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158541699 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541714 | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158541725 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158541725 | Has Modification? | No |  |  |
| XXXX |  |  | 3158541725 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158541726 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158541726 | Has Modification? | No |  |  |
| XXXX |  |  | 3158541726 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158541739 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541741 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541741 | Calculated Amount Due at Maturity | XXX | 0.00 | The current deferred balance variance appears to be related to the prior modification dated XX/XX/XXXX. |
| XXXX |  |  | 3158541748 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158541748 | Has Modification? | No |  |  |
| XXXX |  |  | 3158541748 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158541760 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541812 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158541812 | Has Modification? | No |  |  |
| XXXX |  |  | 3158541812 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158541814 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541835 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541855 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158541855 | Has Modification? | No |  |  |
| XXXX |  |  | 3158541855 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158541859 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541869 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541930 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158541930 | Has Modification? | No |  |  |
| XXXX |  |  | 3158541930 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158541956 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158541956 | Has Modification? | No |  |  |
| XXXX |  |  | 3158541956 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158541992 | Mod Date |  | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158541992 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | The audited maturity date is in line with the most recent, executed modification. |
| XXXX |  |  | 3158541992 | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  |  | 3158542038 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158542038 | Has Modification? | No |  |  |
| XXXX |  |  | 3158542038 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158542072 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The audited modification date is in line with the most recent, executed modification. |
| XXXX |  |  | 3158542072 | Calculated Amount Due at Maturity | XXX | XXX | No forgiveness located to account for the deferred variance of $XXX. |
| XXXX |  |  | 3158542077 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158542077 | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  |  | 3158542077 | Calculated Amount Due at Maturity | 0.00 |  | The loan is currently servicing at the terms of the HELOC Agreement. |
| XXXX |  |  | 3158542082 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Field value reflects source document |
| XXXX |  |  | 3158542085 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158542085 | Has Modification? | No | Yes | The loan is currently servicing at the terms of the HELOC Agreement. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158542085 | Calculated Amount Due at Maturity | 0.00 |  | The loan is currently servicing at the terms of the HELOC Agreement. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158542122 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | The current servicing modification date appears to be related to a forgiveness letter. |
| XXXX |  |  | 3158542129 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158542129 | Has Modification? | No |  |  |
| XXXX |  |  | 3158542129 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158542130 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158542130 | Has Modification? | No |  |  |
| XXXX |  |  | 3158542130 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158542138 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158542138 | Has Modification? | No |  |  |
| XXXX |  |  | 3158542138 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158542150 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158542237 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158542237 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158542256 | Calculated Amount Due at Maturity | XXX | XXX | The deferment agreement is incomplete due to missing the deferred amount. |
| XXXX |  |  | 3158542257 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158542257 | Calculated Amount Due at Maturity | XXX | 0.00 | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158542259 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158542264 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158542264 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | The audited maturity date is in line with the most recent, executed modification. |
| XXXX |  |  | 3158542272 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158542289 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX<br> to XX/XX/XXXX. |
| XXXX |  |  | 3158542289 | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  |  | 3158542289 | Calculated Amount Due at Maturity | 0.00 |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158542344 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158542379 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158542379 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158542382 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  |  | 3158542382 | Calculated Amount Due at Maturity | XXX |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158542387 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158542387 | Mod Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Field value reflects source document |
| XXXX |  |  | 3158542395 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158542401 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158542410 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158542410 | Has Modification? | No |  |  |
| XXXX |  |  | 3158542410 | Calculated Amount Due at Maturity | 0.00 |  |  |
| XXXX |  |  | 3158542442 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158542492 | Mod Maturity Date | XX/XX/XXXX |  | Missing the Modification with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The original Note is an ARM, however, current data reflects the loan is now Fixed. |
| XXXX |  |  | 3158542492 | Has Modification? | No | Yes | Missing the Modification with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The original Note is an ARM, however, current data reflects the loan is now Fixed. |
| XXXX |  |  | 3158542492 | Calculated Amount Due at Maturity | 0.00 |  | Missing the Modification with a current Interest Rate of XX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The original Note is an ARM, however, current data reflects the loan is now Fixed. |
| XXXX |  |  | 3158542512 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158542512 | Calculated Amount Due at Maturity | XXX | XXX | No forgiveness located to account for the deferred variance of $XXX. |
| XXXX |  |  | 3158542534 | Mod Date | XX/XX/XXXX | XX/XX/XXXX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158542552 | Mod Maturity Date | XX/XX/XXXX |  |  |
| XXXX |  |  | 3158542552 | Has Modification? | No |  |  |
| XXXX |  |  | 3158542552 | Calculated Amount Due at Maturity | 0.00 |  |  |

---

## Exhibit 99.4

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

**Exhibit 99.4 - Schedule 1**

![](ex993001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

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

The loans in the Review carried origination dates between October 1994 and October 2012.

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

The Review was conducted on fifty-four (54) mortgage loans with an aggregate original principal balance of approximately $8.026 million.

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

▪ "Compliance
 Review": 54 mortgage loans

**▪** "Payment History Review": 54 mortgage loans

▪ "Servicing
Comment Review": 54 mortgage loans

▪ "Title
Review": 54 mortgage loans

▪ "Data
Integrity": 54 mortgage loans

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Zip |

---

Additionally, AMC verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, and (iv) that social security numbers across documents were consistent.

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

Not applicable.

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

Not applicable.

1 \| P a g e

![](ex993001.jpg)

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

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

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

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014 (54 mortgage loans)</u>**

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

2 \| P a g e

![](ex993001.jpg)

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(VI) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

3 \| P a g e

![](ex993001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

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

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

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

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

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

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

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

**Collection Comment Review:** AMC performed a collection comment review utilizing individual mortgage loan collection comments provided by the servicers in order to provide a brief summary outlining current performance status, the borrower's ability to pay, relative future/current risk (including hardship, life changes, etc.), possible servicer remedies, loss mitigation efforts, and modifications.

**Payment History Review:** AMC performed a review utilizing individual mortgage loan payment history reports provided by the servicers. Using the MBA methodology, AMC created a payment string using a 36 month look back period for each mortgage loan within the payment history population.

**Title Review:** As requested by the Client, a title review was included in SitusAMC's scope of review. To facilitate this review, the Client provided SitusAMC with identifying data on the population of mortgage loans. Data provided by the client, included mortgage loan and servicer identification numbers as well as subject property address, borrower names, origination date, original mortgage loan amount for the subject mortgage and title policies from origination as it relates to the subject mortgage. Using the data provided, SitusAMC ordered a current owner's title search on these mortgage loans through a service provider. Upon receipt and review of the current owner's title search results, SitusAMC identified whether or not the subject mortgage was of record, whether any deed vesting concerns of substance were present, and whether the title search report revealed any liens and/or judgments which could affect the seniority of the subject mortgage, including potentially superior post origination liens and/or judgments such as Property Tax Liens, Municipal Liens, and Association Super Liens. SitusAMC reviewed the title policies for all liens and/or judgments that were recorded before the recordation of the subject mortgage to determine if any identifiable liens and/or judgments were listed as an exception on schedule B of the applicable title policies.

**(9) Disclaimer**

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

4 \| P a g e

![](ex993001.jpg)

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL REVIEW RESULTS SUMMARY (54 Mortgage Loans)**

There were fifty-four (54) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, all fifty-four (54) had a Compliance Review "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;54 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Final <br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;48 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data | &nbsp;&nbsp;31 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;27 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;22 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete GFE | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;FACTA | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Legal / Regulatory / Compliance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Safe Act | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***216*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**216** |

---

5 \| P a g e

![](ex993001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the fifty-four (54) loans mortgage loans reviewed, all fifty-four (54) loans (100%) mortgage loans had tape discrepancies across twenty-four (24) unique data fields. The most common tape discrepancies were Original Interest Rate, Original P&I and Original Term.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;17 | &nbsp;&nbsp;30 | &nbsp;&nbsp;56.67% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;38 | &nbsp;&nbsp;54 | &nbsp;&nbsp;70.37% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;54 | &nbsp;&nbsp;1.85% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;27 | &nbsp;&nbsp;54 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;24 | &nbsp;&nbsp;29 | &nbsp;&nbsp;82.76% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;12 | &nbsp;&nbsp;54 | &nbsp;&nbsp;22.22% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;8 | &nbsp;&nbsp;12 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;29 | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;3 | &nbsp;&nbsp;54 | &nbsp;&nbsp;5.56% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;25 | &nbsp;&nbsp;29 | &nbsp;&nbsp;86.21% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;13 | &nbsp;&nbsp;54 | &nbsp;&nbsp;24.07% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;7 | &nbsp;&nbsp;54 | &nbsp;&nbsp;12.96% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;51 | &nbsp;&nbsp;54 | &nbsp;&nbsp;94.44% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;3 | &nbsp;&nbsp;54 | &nbsp;&nbsp;5.56% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;54 | &nbsp;&nbsp;9.26% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;50 | &nbsp;&nbsp;54 | &nbsp;&nbsp;92.59% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;47 | &nbsp;&nbsp;54 | &nbsp;&nbsp;87.04% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;33 | &nbsp;&nbsp;54 | &nbsp;&nbsp;61.11% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;8 | &nbsp;&nbsp;54 | &nbsp;&nbsp;14.81% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;20 | &nbsp;&nbsp;54 | &nbsp;&nbsp;37.04% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1 | &nbsp;&nbsp;54 | &nbsp;&nbsp;1.85% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;14 | &nbsp;&nbsp;54 | &nbsp;&nbsp;25.93% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;24 | &nbsp;&nbsp;54 | &nbsp;&nbsp;44.44% | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**468** | &nbsp;&nbsp;**1109** | &nbsp;&nbsp;**42.20%** | &nbsp;&nbsp;**54** |

---

6 \| P a g e

![](ex993001.jpg)

**PAYMENT HISTORY REVIEW SUMMARY (54 Mortgage Loans)**

A Payment History Review was conducted on fifty-four (54) mortgage loans. All fifty-four (54) mortgage loans subjected to the Payment History Review had complete pay history strings. In total, fifteen (15) mortgage loans (27.78%) showed at last one delinquency within the look back period.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Category** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;No Delinquency, No Missing Data | &nbsp;&nbsp;39 | &nbsp;&nbsp;72.22% |
| &nbsp;&nbsp;Delinquency, No Missing Data | &nbsp;&nbsp;15 | &nbsp;&nbsp;27.78% |
| &nbsp;&nbsp;No Delinquency, At Least One Month Missing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Delinquency, At Least One Month Missing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**54** | &nbsp;&nbsp;**100.00%** |

---

**COLLECTION COMMENT REVIEW SUMMARY (54 Mortgage Loans)**

AMC conducted a Collection Comment Review on fifty-four (54) mortgage loans. Of the mortgage loans subject to the collection comment review, all fifty-four (54) mortgage loans (100.00%) triggered an EV1 or EV2 exception level.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Servicing Review Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;52 | &nbsp;&nbsp;96.30% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;3 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**54** | &nbsp;&nbsp;**100.00%** |

---

**SitusAMC TITLE REVIEW SUMMARY (54 Mortgage Loans)**

As part of the due diligence services, the Client provided SitusAMC with identifying data on 54 mortgage loans. Based on the scope of review set forth herein, the critical findings are summarized as follows:

● There are no potential issues concerning origination deed vesting.

● Except with respect to 1 Association Lien across 1 mortgage loan file, no unresolved Super Position HOA Liens recorded after the subject mortgage which were entitled to limited or full lien priority over the subject mortgage were identified.

● Except with respect to 4 Municipal Liens across 4 mortgage loan files, no unresolved Municipal Liens which had limited or full lien priority over the subject mortgage were located.

● No unresolved Property Tax Liens which had limited or full lien priority over the subject mortgage were located.

● All Prior Liens identified in our review have been resolved.

● Except with respect to 7 Prior Mortgages across 7 mortgage loan files which were recorded prior to the subject mortgage, all Prior Mortgages identified in our review have been resolved. With respect to the 7 Prior Mortgages across 7 mortgage loan files, 2 Prior Mortgages were determined to be mitigated as the mortgage loan files contain a Title Policy on which there are no stated exceptions which explicitly preclude coverage, 1 Prior Mortgage was determined to be mitigated as the statutory timeline for enforcement as passed, and 4 Prior Mortgages were not able to be mitigated as the mortgage loan file did not contain evidence of title insurance.

● As to any Miscellaneous Items of substance, the items in this category typically defy standard categorization or summarization and are individually detailed.

**ADDITIONAL LOAN POPULATION SUMMARY\***

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;25 | &nbsp;&nbsp;46.30% | &nbsp;&nbsp;$2461191.31 | &nbsp;&nbsp;30.66% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;29 | &nbsp;&nbsp;53.70% | &nbsp;&nbsp;$5565264.00 | &nbsp;&nbsp;69.34% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**54** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$8026455.31** | &nbsp;&nbsp;**100.00%** |

---

7 \| P a g e

![](ex993001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;49 | &nbsp;&nbsp;90.74% | &nbsp;&nbsp;$7828755.31 | &nbsp;&nbsp;97.54% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;9.26% | &nbsp;&nbsp;$197700.00 | &nbsp;&nbsp;2.46% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**54** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$8026455.31** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;19 | &nbsp;&nbsp;35.19% | &nbsp;&nbsp;$1589938.66 | &nbsp;&nbsp;19.81% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;29 | &nbsp;&nbsp;53.70% | &nbsp;&nbsp;$5526254.00 | &nbsp;&nbsp;68.85% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.85% | &nbsp;&nbsp;$59262.65 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;5 | &nbsp;&nbsp;9.26% | &nbsp;&nbsp;$851000.00 | &nbsp;&nbsp;10.60% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**54** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$8026455.31** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;13 | &nbsp;&nbsp;24.07% | &nbsp;&nbsp;$1200783.00 | &nbsp;&nbsp;14.96% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;7 | &nbsp;&nbsp;12.96% | &nbsp;&nbsp;$690738.50 | &nbsp;&nbsp;8.61% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;34 | &nbsp;&nbsp;62.96% | &nbsp;&nbsp;$6134933.81 | &nbsp;&nbsp;76.43% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**54** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$8026455.31** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;16 | &nbsp;&nbsp;29.63% | &nbsp;&nbsp;$3382583.00 | &nbsp;&nbsp;42.14% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;$80900.00 | &nbsp;&nbsp;1.01% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.56% | &nbsp;&nbsp;$1014351.00 | &nbsp;&nbsp;12.64% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;$240000.00 | &nbsp;&nbsp;2.99% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;31 | &nbsp;&nbsp;57.41% | &nbsp;&nbsp;$3308621.31 | &nbsp;&nbsp;41.22% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**54** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$8026455.31** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;46 | &nbsp;&nbsp;85.19% | &nbsp;&nbsp;$7304125.15 | &nbsp;&nbsp;91.00% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.85% | &nbsp;&nbsp;$79900.00 | &nbsp;&nbsp;1.00% |
| &nbsp;&nbsp;Unknown | &nbsp;&nbsp;7 | &nbsp;&nbsp;12.96% | &nbsp;&nbsp;$642430.16 | &nbsp;&nbsp;8.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**54** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$8026455.31** | &nbsp;&nbsp;**100.00%** |

---

8 \| P a g e

## Exhibit 99.4

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

 **Exhibit 99.4 - Schedule 2**

![](ex99-01.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Grade Summary** | **Grade Summary** | **Grade Summary** | **Grade Summary** | **Grade Summary** |
| **Standard and Poor's Loan Grades** | **Standard and Poor's Loan Grades** | **Standard and Poor's Loan Grades** | **Standard and Poor's Loan Grades** | **Standard and Poor's Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 0 | 0 | 0 |
| B | 0 | 54 | 0 | 54 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |
| N/A | 0 | 0 | 0 | 0 |
| **Total** | **0** | **54** | **0** | **54** |
| **Fitch Loan Grades** | **Fitch Loan Grades** | **Fitch Loan Grades** | **Fitch Loan Grades** | **Fitch Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 0 | 0 | 0 |
| B | 0 | 54 | 0 | 54 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |
| N/A | 0 | 0 | 0 | 0 |
| **Total** | **0** | **54** | **0** | **54** |
| **DBRS Rating Agency Loan Grades** | **DBRS Rating Agency Loan Grades** | **DBRS Rating Agency Loan Grades** | **DBRS Rating Agency Loan Grades** | **DBRS Rating Agency Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 0 | 0 | 0 |
| B | 0 | 54 | 0 | 54 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |
| N/A | 0 | 0 | 0 | 0 |
| **Total** | **0** | **54** | **0** | **54** |
| **Moodys Rating Agency Loan Grades** | **Moodys Rating Agency Loan Grades** | **Moodys Rating Agency Loan Grades** | **Moodys Rating Agency Loan Grades** | **Moodys Rating Agency Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 0 | 0 | 0 |
| B | 0 | 54 | 0 | 54 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |
| N/A | 0 | 0 | 0 | 0 |
| **Total** | **0** | **54** | **0** | **54** |
| **Kroll Rating Agency Loan Grades** | **Kroll Rating Agency Loan Grades** | **Kroll Rating Agency Loan Grades** | **Kroll Rating Agency Loan Grades** | **Kroll Rating Agency Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 0 | 0 | 0 |
| B | 0 | 54 | 0 | 54 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |
| **Total** | **0** | **54** | **0** | **54** |

---

![](ex99-01.jpg)

**Loan Level Exception - Disposition**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Alternate Loan ID** | **Borrower Name** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** |
| XXXX |  |  | 3158536858 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided |  | BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Please see attached Flood Mapping Data showing property is in flood zone X as of XX/XX/XXXX. Loan originated XX/XX/XXXX. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, missing flood determination from loan file. |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Ohio Prepayment Penalty: Ohio Prepayment Penalty: Maximum calculated prepay of $XXX exceeds the state maximum of 1% of the original balance ($XXX). |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | – B |
| XXXX |  |  | 3158536948 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Title / Lien Defect - (Doc Error) Loan was portrayed as first lien but found to be a second lien<br> [2] State Compliance - Pennsylvania Prepayment Penalty Junior Lien: Pennsylvania Prepayment Penalty: A prepayment penalty is not permissible on a junior lien loan less than or equal to $XXX. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | – B |
| XXXX |  |  | 3158537226 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal: Attached please find the subject loan origination flood certification.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Flood Cert<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains missing flood certificate. |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  | – B |
| XXXX |  |  | 3158537227 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal: Attached please find the subject loan right of rescission signed and dated by the borrower XX/XX/XXXX showing loan was not out of rescission until XX/XX. Closing Instructions also confirm the subject loan was not scheduled to fund / disburse until XX/XX/XXXX.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Rescission and Closing Instructions<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains. The disbursement date should come from page one of the HUD. When page one is missing this information, we look for evidence of funding from the settlement agent. If none found, our system will use the "Interest From" date to be able to run compliance and will also generate a level 2 exception (this exception is informational). | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158537228 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal: Subject loan paid off existing mortgage and liens on property. No new money. H8 is correct form.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, RTC should be on an H9 form. | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): TILA ROR Form - The Third Circuit has prior rulings that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form. Creditors are required to use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | – B |
| XXXX |  |  | 3158537229 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to TIL itemization did not disclose a processing fee in the amount of $XXX or a Closing fee in the amount of $XXX as prepaid finance charges. | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal: Per the closing instructions and rescission the subject loan was out of rescission XX/XX/XXXX. The subject loan came out of rescission midnight of XX/XX/XXXX and it appears that was how the HUD was prepared, lining up with the dates on the rescission. It appears to be a difference o interpreting the date rescission ends and the HUD was prepared using the XX/XX date at midnight. Based on the rescission signed by borrowers on XX/XX and closing instructions confirming a closing date of XX/XX, the full three days of rescission was given to the borrowers. The ROR and closing instructions are attached for review.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Rescission end date XX/XX/XXXXEVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains. The disbursement date should come from page one of the HUD. When page one is missing this information, we look for evidence of funding from the settlement agent. If none found, our system will use the "Interest From" date to be able to run compliance | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158537230 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  | – B |
| XXXX |  |  | 3158537231 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  | – B |
| XXXX |  |  | 3158537232 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (XX/XX/XXXX-Appeal: Please refer to page 1014 which reflects Hazard Insurance policy. Under the description of premises section it states the property is a "1" family. Please rescind. XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, Missing spcific property type from loan file. (Single family attached vs Single family detached.) | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158537241 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Massachusetts Late Charge Grace Period Testing: Massachusetts Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.<br> [2] State Compliance - Massachusetts Late Charge Percent Testing: Massachusetts Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 3%.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | – B |
| XXXX |  |  | 3158537242 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Tax Cert in Clarity doc #XXXX reflects type of property = SFR. BPO in Clarity doc # XXXX reflects subject property as single family detached and included a photo of the subject property to support. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Unable to determine specific property type at origination. Exception remains. |  |  | – B |
| XXXX |  |  | 3158537244 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1 |  |  |  |  |  | 2 | [2] Title / Lien Defect - (Doc Error) Loan was portrayed as first lien but found to be a second lien |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal. XXX agrees this loan was originated as a 2nd lien per all loan documentation. However, the 1st lien was paid off post closing XX/XX/XXXXwhich moves the subject into first lien position in our servicing system. This is being provided as an explanation for the conflict in reporting. Please see post closing credit and title for support. MC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, missing 1st lien note or mortgage from loan file. |  |  | – B |
| XXXX |  |  | 3158537245 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Lien - Missing note/terms on senior lien. Subject loan is in second position.: Lien Position: 1<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal. Please clarify AMC position and reasoning. The subject transaction was a refinance of an existing XXX loan with some cash out to the borrower with the subject transaction resulting in a new first lien position as the prior loan was paid off. Post closing title reports from XXX support the 1st lien position of the subject. There are no senior liens subject to documentation requirements. Please review the HUD1 showing payoff. This loan was originated from our Home Equity department which may afftect some documents/terms. XXX is including a post closing title review from XXX in XXXX evidencing first lien position (should be in out of scope docs in Acuity). MC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, please see 1003 listing property as a 2nd lien and see doc 0484 listing XXX in 1st position. |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Title / Lien Defect - (Doc Error) Loan was portrayed as first lien but found to be a second lien<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal. Please clarify AMC position and reasoning. The subject transaction was a refinance of an existing XXX loan with some cash out to the borrower with the subject transaction resulting in a new first lien position as the prior loan was paid off. Post closing title reports from XXX support the 1st lien position of the subject. There are no senior liens subject to documentation requirements. Please review the HUD1 showing payoff. This loan was originated from our Home Equity department which may afftect some documents/terms. XXX is including a post closing title review from XXX in XXXX evidencing first lien position (should be in out of scope docs in Acuity). MC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, please see 1003 listing property as a 2nd lien and see doc 0484 listing XXX in 1st position. |  |  | – B |
| XXXX |  |  | 3158537246 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] State Compliance - New York Late Charge Percent Testing: New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.<br> [2] State Compliance - New York Prepayment Penalty: New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of XXX% contracts for a prepay term of 36 months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158537248 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Missouri Late Charge Grace Period Testing: Missouri Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158537249 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Georgia Home Loan (Late Charge): Georgia Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period of less than ten (10) days.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Loan was originated by XXX a Lender the late charge is As Agreed.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX While the late charge exceptions are related to home loans, which is a subset but not the same as high-cost, the assignee liability for GA home loans is the same as high-cost. Assignee liability under the Georgia Fair Lending Act (§ 7-6A-6 of the Georgia Code) is as follows: Any person who purchases, is assigned or otherwise becomes a holder of a high cost home loan will be subject to all affirmative claims and defenses that the borrower could assert against the creditor of the high cost home loan, including the right of rescission, unless the purchaser or holder demonstrates, by a preponderance of the evidence, that the purchaser or holder exercised reasonable due diligence at the time of purchase of the home loans, or within a reasonable time thereafter, intended to prevent the purchaser or holder from purchasing or taking assignment of high cost home loans.<br> However, because the loan was not originated during the blackout period and is outside SOL which, for home loans, is 5 years from first scheduled payment, the exception is graded an EV-2.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal: The subject loan GFE includes the fees for the subject loan, but it does have a different appearance than some of the other GFE's that are issued. XXX has attached the subject loan GFE for review. Please advise if this is acceptable.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX GFE<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, GFE provided is not dated. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Georgia Home Loan (Late Charge): Assignee Liability: Any person who purchases, is assigned or otherwise becomes a holder of a high cost home loan will be subject to all affirmative claims and defenses that the borrower could assert against the creditor of the high cost home loan, including the right of rescission which applies regardless of whether the safe harbor provision is met. In an action brought by a borrower against an assignee: (i) the borrower may only assert the action individually and any relief granted may not exceed the sum of the amount of all remaining indebtedness of the borrower and reasonable attorneys' fees in the individual action; (ii) the borrower may only assert a claim of a violation of the flipping and prohibited high cost home loan provisions in response to the holder's notice of acceleration or foreclosure notice; and (iii) the borrower must bring the action within one year from the date of the occurrence of the violation, except in defense by recoupment or setoff. <br>Note: Loans originated between XX/XX/XXXXndXX/XX/XXXXre subject to the Original GAFLA. Rating Agencies will not rate GA loans originated during this time period.<br>Late Charge:<br> For loans subject to Original GAFLA (XX/XX/XXXX toXX/XX/XXXX), material violation.<br>For loans not subject to Original GAFLA (on or afterXX/XX/XXXX late charge violations could be downgraded to an EV2 depending on statute of limitations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | – B |
| XXXX |  |  | 3158537402 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Late Charge Percent Testing: New York Late Charge: Note late charge percent of 2.38896% exceeds the state maximum of 2%.<br> [2] State Compliance - New York Prepayment Penalty: New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of XXX% contracts for a prepay term of 36 months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | – B |
| XXXX |  |  | 3158537404 | XXX | $XXX | XX | XX/XX/XXXX | Primary | UTD UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX 4.8.25 Appeal attached credit investigation property type SFR – AVM was used as appraisal kindly review rescind.gs<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, Unable to determine specific property type at origination(single family detached vs single family attached.) | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158537406 | XXX | $XXX | XX | XX/XX/XXXX | UTD | UTD UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal. Rescission form is present (in Acuity) which can only be offered on a primary reseidence. MC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, missing enough information to determine occupancy. | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158537409 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I payment: Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXX does not match calculated P&I of $XXX. Note P&I was used for the APR calculation and compliance testing.<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | – B |
| XXXX |  |  | 3158537412 | XXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal. Please find the Right of Rescission in Acuity. Rescission can only be offered on primary residences. MC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, missing enough information to determine occupancy. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | – B |
| XXXX |  |  | 3158537413 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal: Per Credit Investigation subject transaction was a debt consolidation equity takeout. Per Comment Summary D0700 onXX/XX/XXXXo existing liens on property. Not a same lender refi.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, unable to determine due to missing Title search or title commitment. |  |  | – B |
| XXXX |  |  | 3158537416 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |  |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158537417 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I payment: Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXX does not match calculated P&I of $XXX. Note P&I was used for the APR calculation and compliance testing.<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal: Loan originated by XXXhase and the prior mortgage paid off was National City Mortgage. H8 is correct form.-XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, missing title search or title commitment to determine. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158537420 | XXX | $XXX | XX | XX/XX/XXXX | Primary | UTD UTD |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158537421 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. | BUYER - GENERAL COMMENT (XX/XX/XXXX Scope of review changed please re-evaluate. MC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, missing initial lenders application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158537422 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Please see tax cert documentation in Clarity Doc # 0297 supporting the property is a single family /residential improved. Also in Clarity, BPO doc # 0247 including photos supporting property is a single family residence detached. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Unable to determine specific property type at origination.<br> Exception remains<br> BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Please see tax cert documentation in Clarity Doc # 0297 supporting the property is a single family /residential improved. Also in Clarity, BPO doc # 0247 including photos supporting property is a single family residence detached. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, unable to determine property type at origination. (single family detached vs PUD) | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | – B |
| XXXX |  |  | 3158537426 | XXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal. Please re-evaluate under new scope for initial 1003s. MC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, missing initial lenders application date.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal. Please find ressission note in Acuity. Rescission can only be offered on a primary residence. MC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, missing enough information to determine occupancy at origination. |  |  | – B |
| XXXX |  |  | 3158537427 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal: See D0384. XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, 1003 not dated by borrower at closing.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal: Please also see D0722 with sworn acknowledgement that borrower received final loan application at the closing. Credit application identified in prior appeal is hard dated on the day of closing, signed by the borrower and acknowledged under oath on the date of closing that it was received at closing.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX The exception may be cleared with receipt of a copy of the final application signed at closing (if unable to determine when signed, the exception would be valid which is why we're citing here because while the "Loan Date" is at the top, there is no signature date on the application). Alternatively, the exception may be eligible to be downgraded to EV2-B if the file contains both an acknowledgment of receipt of final application signed by the borrower(s) at closing and additional evidence that the final application was provided to the borrower(s) at closing (evidence reviewed on a case by case basis). If the client would like the exceptions considered for a downgrade, we can use the acknowledgement on D0722 plus the application we have in file. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Final Loan Application): Texas Constitution Section 50(a)(6): No evidence the borrower(s) received a copy of the final loan application at or prior to closing.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  | REVIEWER - GENERAL COMMENT (XX/XX/XXXX Regraded to EV2-B based on acknowledgement plus application in file.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Please see the attached screen print which confirms the market value of $XXX at the time of origination.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, Missing appraisal from loan file. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Liability appears to be limited to originators/licensees.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Final Loan Application): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158537428 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | – B |
| XXXX |  |  | 3158537432 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | – B |
| XXXX |  |  | 3158537433 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Vesting report from origination. Title policy not required on HELOC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Missing Title Policy. Subject is not a HELOC and in 1st position.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX No title insurance product is issued on asset loans regardless of recording. Please provide specific regulatory reference for finding.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, missing final title policy. |  |  |  | 2 | [2] Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I payment: Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXX does not match calculated P&I of $XXX. Note P&I was used for the APR calculation and compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Finance Charge Variance of $XXX is due to difference in lender's accepted payment stream as per final TIL and actual calculated payment stream. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158537434 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Please provide specific regulatory reference for finding in 2003.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX The following citations may be referenced for HELOC disclosure requirements (including early disclosures / HELOC brochure) that were in effect in 2003:<br>15 U.S.C. § 1601 et seq.<br> 2 12 C.F.R. Part 226.<br> 3 Pub. L. No. 100-709, 102 Stat. 4725 (Nov. 23, 1988), codified at 15 U.S.C. § 1637A.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Please provide specific regulatory reference for finding in 2003.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX The following citations may be referenced for HELOC disclosure requirements (including early disclosures / HELOC brochure) that were in effect in 2003:<br>15 U.S.C. § 1601 et seq.<br> 2 12 C.F.R. Part 226.<br> 3 Pub. L. No. 100-709, 102 Stat. 4725 (Nov. 23, 1988), codified at 15 U.S.C. § 1637A. | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158537435 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Property type is SFR (Single Family Residence) is documented in Clarity tax cert doc #XXX as 401: Residential. BPO doc # 0197 also reflect type of property as SFR. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, missing specific property type at origination. Single family attach vs single family detached.<br> BUYER - GENERAL COMMENT (XX/XX/XXXXAppeal. AMC's initial exception was for property determination whether SFR. Appeal was made to support that. AMC now condition to support whether the property is attached or detached. Please refer to BPO in Clarity with photos Doc # 0196 capturing the subject property as single family residence as was originated. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Unable to determine specific property type at origination.<br> Exception remains<br> BUYER - GENERAL COMMENT (XX/XX/XXXXAppeal. Please see XXX system screen shot of the property as single family detached. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, Unable to determine property type at origination. Single family detached vs PUD. |  |  | – B |
| XXXX |  |  | 3158537437 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Please refer to Clarity Doc # XXXX indicating subject property is a Single Family. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Unable to determine based on doc provided. SF Attached or SF Detached, PUD etc. Exception remains.<br> BUYER - GENERAL COMMENT (XX/XX/XXXXAppeal. Please see XXX MSP System evidencing property was Single Family Detached at origination. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, Unable to determine property type at origination. Single family detached vs PUD. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | – B |
| XXXX |  |  | 3158537440 | XXX | $XXX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal: XXX is providing the subject loan BPO showing subject is a detached, single family residence as alternate documentation to support property type.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Post close appraisal<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, unable to determine property type at origination. |  |  | – B |
| XXXX |  |  | 3158537442 | XXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal. Plese see attached Boarding Sheet indicating Not in a Flood Zone, Agreement to Provide Insurance indicating subject is Not in a Flood Zone, and our MSP Flood servicing screen indicating subjext in Zone X, or not in a flood zone. MC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, missing flood determination from origination. |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  | REVIEWER - GENERAL COMMENT (XX/XX/XXXX EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal. Please see executed Right of Rescission as proof of primary residence. Rescission can only be offered on primary residence. XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Unable to determine specific property type at origination. |  |  | – B |
| XXXX |  |  | 3158537446 | XXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal, Please see uploaded Final Title Policy, please clear. taXX/XX/XXXXUYER - GENERAL COMMENT (XX/XX/XXXX FTPOL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, Title policy received is post origination.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX See vesting report from origination.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Missing Title Policy. Exception remains.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX No title insurance product is issued on asset loans regardless of recording. Please provide specific regulatory reference for finding.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, missing final title policy. |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal: The subject loan was on an investment property, therefor no right of rescission was required. XXX is attaching page 1 of the approval and also page 1 of the Note showing borrowers reside at XXX, OH and the colateral address is XXX, OH. Based on the subject transaction being non-owner occupied, no rescission was required.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Investment property docs<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, unable to determine occupancy at origination based off documents provided.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal: Attached please find additional support docs to show Right of Rescission was not required for the subject loan. The Loan Accuracy Review states rescission is NA, plus the borrower mailing address on the social security, tax returns, and investment account all show borrowers reside at XXX, with the subject property being XXX.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX support docs NOO<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, Unable to determine clear occupancy at origination from documents provided.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Please review the open ended mortgage for subject property address XXX. This is an investment property with XXX being the Borrower(s) address.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, unable to determine clear occupancy at origination. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158537447 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] State Compliance - Wisconsin Late Charge Amount Testing First Lien: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] State Compliance - Wisconsin Prepayment Penalty ARM Test: Wisconsin Prepayment Penalty: Adjustable rate loan containing prepayment penalty did not provide disclosure stating that there are also loans available without prepayment penalties. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Note page 5 Prepayment states without penalty.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, see Fee to Close account section of HELOC agreement.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Cancelation fee only, no PPP. No statement that a PPP will be charged for prepayment within the HELOC agreement.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Please provide specific regulatory reference for finding, including rationale that an Early Account Closure Fee is the same as a Prepayment Penalty according to Wisconsin law.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX The Wisconsin Prepayment Penalty ARM Test violation is a state prepayment penalty restriction which we test for under Wis. Stat. § 138.056(3m). <br>Wis. Stat. § 138.056(3m)<br> (3m) Prepayment penalties.<br> (a) Notwithstanding s. 138.052 (2) (a), and except as provided in s. 428.207, a lender may not include a prepayment penalty in a variable rate loan using an approved index unless all of the following are satisfied:<br> 1. The lender also makes variable rate loans without prepayment penalties and the lender provides the borrower with a written statement that the lender also makes variable rate loans without prepayment penalties. <br> 2. At the time of the offer of the variable rate loan, and the borrower acknowledges, in writing, receipt of the statement specified in subd. 1. <br> 3. The penalty is limited to prepayment that is made within 3 years of the date of the loan. <br> 4. The prepayment is not made in connection with the sale of a dwelling or manufactured home securing the loan. <br> (b) This subsection applies to variable rate loans made, refinanced, renewed, extended, or modified on or after March 25, 2006.<br>The HELOC Agreement for the subject loan states that if the credit line is closed or terminated in the first 3 years, the borrower will be charged a fee equal to the lesser of 1% of the credit line or $XXX. Although the HELOC Agreement states that this fee will not be charged if the borrower does not close or terminate the credit line, the fee will be charged if the borrower closes or terminates the credit line and as such is considered a prepayment penalty.<br>Exception 26283 was set because the loan was an ARM with a prepayment penalty without a disclosure stating that there are also loans available without prepayment penalties. Note the exception is graded EV2-B. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | – B |
| XXXX |  |  | 3158537454 | XXX | $XXX | XX | XX/XX/XXXX | Primary | UTD UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | – B |
| XXXX |  |  | 3158537460 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Vesting report from origination.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, missing final title policy. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] State Compliance - New York Prepayment Penalty: New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of XXX% contracts for a prepay term of 36 months, which exceeds max allowable.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Note page 4 Prepayment states without penalty.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, see Fee to Close account section of HELOC agreement.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Cancelation fee only, no PPP. No statement that a PPP will be charged for prepayment within the HELOC agreement.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Please provide specific regulatory reference for finding, including rationale that an Early Account Closure Fee is the same as a Prepayment Penalty according to NY law.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of XXX% contracts for a prepay term of 36 months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX The 12 month prepayment penalty period violation is a state prepayment penalty restriction which we test for under N.Y. Gen. Oblig. Law § 5-501(3)(b). There are also prepayment penalty limitations specific to adjustable rate loans found in N.Y. Comp. Code. R. & Regs. tit. 3, §§ 82.1(a) and 82.7. <br>N.Y. Comp. Code. R. & Regs. tit. 3, §§ 82.1(a), 82.7<br> In addition to the requirements set forth in section 5-501(3)(b) of the General Obligations Law which limit prepayment penalties to the first year of a mortgage loan, no prepayment penalty may be taken for any mortgage loan made pursuant to this Part unless, according to the provisions of the note and mortgage, the interest rate for the loan shall remain fixed for a period of at least five years, the loan contract provides for a prepayment penalty and the mortgage broker, mortgage banker and/or exempt organization complies with the provisions of sections 38.2, 38.3 and 38.4 of this Title which pertain to prepayment penalties.<br>N.Y. Gen. Oblig. Law § 5-501(3)(b)<br> Notwithstanding any other provision of law, the unpaid balance of the loan or forbearance may be prepaid, in whole or in part, at any time. If prepayment is made on or after one year from the date the loan or forbearance is made, no penalty may be imposed. If prepayment is made prior to such time, no penalty may be imposed unless provision therefor is expressly made in the loan contract, provided that no penalty may be imposed if prohibited by sections six-l and six-m of the banking law. In all cases, the right of prepayment shall be stated in the instrument evidencing the loan or forbearance, provided, however, that the provisions of this subdivision shall not apply to the extent such provisions are inconsistent with any federal law or regulation.<br>The HELOC Agreement for the subject loan states that if the credit line is closed or terminated in the first 3 years, the borrower will be charged a fee equal to the lesser of 1% of the credit line or $XXX. Although the HELOC Agreement states that this fee will not be charged if the borrower does not close or terminate the credit line, the fee will be charged if the borrower closes or terminates the credit line and as such is considered a prepayment penalty.<br>Exception 25573 was set because the interest rate exceeded 6% and the cancellation fee period exceeded 12 months. Note that the exception is graded EV2-B.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Please see doc # 0837 & 0838 Tax cert reflecting property is a single family residence. Property report doc # 0854 also confirms subject property as single family residence. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, unable to determine specific property type at origination. (single family detached vs single family attached.)<br> BUYER - GENERAL COMMENT (XX/XX/XXXXAppeal. AMC's initial exception was for property determination whether SFR. Appeal was made to support that. AMC now condition to support whether the property is attached or detached. Please refer to BPO in Clarity with photos Doc # 0783 capturing the subject property as single family residence as was originated. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, Unable to determine specific property type at origination. Single family detached vs Attached vs PUD.<br> BUYER - GENERAL COMMENT (XX/XX/XXXXAppeal. Please see screen print MSP Property Profile - Property type code is 1 which is a single family detached per PRPC field description.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, unable to determine specific property type at origination. Single family detached vs PUD | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | – B |
| XXXX |  |  | 3158537466 | XXX | $XXX | XX | XX/XX/XXXX | UTD | UTD UTD |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Ohio Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Note page 4 late charge. Bank originated, restriction is As Agreed.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX The late charge restriction in Ohio is that the amount of the default charge shall not exceed the greater of 5% of the scheduled installment or $XXX. <br> The HELOC Agreement contracts for a late charge of $XXX if the minimum payment is overdue. Because the HELOC Agreement does not contain a stated P&I, it becomes impossible to determine whether the late charge contracted for would exceed the 5%/$XXX late charge threshold imposed under the law. Since we don't have the P&I for which to calculate the percentage maximum imposed by the state, we cite the "unable to determine" exception accordingly.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX See late charge Matrix for Ohio for Lender As Agreed. Information provided by AMC is for a loan that was not originated by a Lender. - XXXX<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX SitusAMC is unable to determine applicability of Ohio late charge requirements based on documents in the loan file. Please provide an attestation from the lender stating that they did not have any certificates of registration issued to them at the time this loan was originated (2007) and were not subject to any of the requirements under Ohio Rev. Code § 1321 for further review.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Sections 1321.01 to 1321.19 of the Revised Code do not apply to national banks. Please advise why an attestation would be needed.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX The Ohio late charge limitation cited in exception 22054 applied to "registrants", which was defined as "a person to whom one or more certificates of registration have been issued under sections 1321.51 to 1321.60 of the Revised Code". The exemption for banks applied to sections 1321.01 to 1321.19 and the late charge limitation was cited under 1321.57 and 1321.58.<br> Based on review of the 2007 loan file and the Ohio Code, it is unclear whether the late charge limitation under Ohio Rev. Code § 1321.58(C)(3) would have been applicable to the lender and subject loan at the time of origination. Note the exception is graded EV2-B. <br> Please provide an attestation from the lender stating that they did not have any certificates of registration issued to them at the time this loan was originated (2007) and were not subject to any of the requirements under Ohio Rev. Code § 1321 for further review. |  |  | – B |
| XXXX |  |  | 3158537477 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal: As per the subject HELOC Agreement and Disclosure Statement the borrower was not charged for title insurance. Only a title search was required for the subject transaction. The property report from origination is attached for review<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Property report<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, Missing final title policy from loan file. |  |  |  | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal. The property type is identified on the AVM as SFR. MC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, AVM in loan file does not contain specific property type. (single family attached vs single family detached.) | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | – B |
| XXXX |  |  | 3158537503 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | – B |
| XXXX |  |  | 3158537529 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower at application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX 4.8.25 Appeal attached XXX system Notes showing FACT Act disclosure sent 11.8.05 Note date 1.9.06 kindly review rescind.gs.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX docs<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, missing Facta disclosure from loan file. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | – B |
| XXXX |  |  | 3158537587 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  | – B |
| XXXX |  |  | 3158537590 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal. Please see attached Boarding sheet showing subject is not in a flood hazard area and Disbursement sheet showing Not in a flood zone. Also see MSP Sericing screens showing flood zone X with corresponding Map #s. MC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, missing flood determination from origination |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | – B |
| XXXX |  |  | 3158537592 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [2] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158537595 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  | – B |
| XXXX |  |  | 3158537599 | XXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Vesting report from origination.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, missing final title policy |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal: see saved document in Clarity Boarding Data Sheet on page 376 Doc XXXX in the collateral summary showing subject property is 1-4 family unit…eg<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, document referenced does not list specific property type.<br> BUYER - GENERAL COMMENT (XX/XX/XXXXAppeal. Please see executed Right of Rescission in Clarity page 52 Doc 0101 as proof of primary residence. Rescission can only be offered on primary residence…eg<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, missing enough information to determine occupancy. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | – B |
| XXXX |  |  | 3158537605 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal. Please see attached screen from the loan file where it is designated as a Condo. MC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, Unable to determine specific property type at origination. (Condo Low vs mid vs High rise) |  |  | – B |
| XXXX |  |  | 3158537620 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (XX/XX/XXXX Please see the attached which indicates the property is a Single Family residence.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains, Document provided does not list specific property type. (single family detached vs attached) |  |  | – B |
| XXXX |  |  | 3158537642 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  | – B |
| XXXX |  |  | 3158537771 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] State Compliance - New York Prepayment Penalty: New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of XXX% contracts for a prepay term of 36 months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (XX/XX/XXXX Cancellation fee section 12 (f) of the Note. Provide location of PPP.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX Exception remains see cancellation fee section of HELOC agreement.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Cancelation fee only, no PPP.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX No statement that a PPP will be charged for prepayment within the HELOC agreement.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Please provide specific regulatory reference for finding, including rationale that an Early Account Closure Fee is the same as a Prepayment Penalty according to NY law.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX The 12 month prepayment penalty period violation is a state prepayment penalty restriction which we test for under N.Y. Gen. Oblig. Law § 5-501(3)(b). There are also prepayment penalty limitations specific to adjustable rate loans found in N.Y. Comp. Code. R. & Regs. tit. 3, §§ 82.1(a) and 82.7. <br>N.Y. Comp. Code. R. & Regs. tit. 3, §§ 82.1(a), 82.7<br> In addition to the requirements set forth in section 5-501(3)(b) of the General Obligations Law which limit prepayment penalties to the first year of a mortgage loan, no prepayment penalty may be taken for any mortgage loan made pursuant to this Part unless, according to the provisions of the note and mortgage, the interest rate for the loan shall remain fixed for a period of at least five years, the loan contract provides for a prepayment penalty and the mortgage broker, mortgage banker and/or exempt organization complies with the provisions of sections 38.2, 38.3 and 38.4 of this Title which pertain to prepayment penalties.<br>N.Y. Gen. Oblig. Law § 5-501(3)(b)<br> Notwithstanding any other provision of law, the unpaid balance of the loan or forbearance may be prepaid, in whole or in part, at any time. If prepayment is made on or after one year from the date the loan or forbearance is made, no penalty may be imposed. If prepayment is made prior to such time, no penalty may be imposed unless provision therefor is expressly made in the loan contract, provided that no penalty may be imposed if prohibited by sections six-l and six-m of the banking law. In all cases, the right of prepayment shall be stated in the instrument evidencing the loan or forbearance, provided, however, that the provisions of this subdivision shall not apply to the extent such provisions are inconsistent with any federal law or regulation.<br>The HELOC Agreement for the subject loan states that if the credit line is cancelled in the first 36 months, the borrower will be charged a cancellation fee equal to 1% of the original line amount or $XXX whichever is greater, plus an additional fee of $XXX to reimburse the lender for any recording fee, documentary stamp, intangible tax, or similar fee that lender incurred in connection with the recording of the security instrument. The HELOC Agreement also states that if the Credit Line is terminated or cancelled, then the entire outstanding balance may be required to be paid to the lender.<br>Exception 25573 was set because the interest rate exceeded 6% and the cancellation fee period exceeded 12 months. Note that the exception is graded EV2 because the HELOC Agreement contains applicable law language. |  |  | – B |

---

![](ex99-01.jpg)

**Exception Ratings**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Alternate Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Unable To Clear Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX |  |  | 3158536858 | 33134299 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, missing flood determination from loan file.<br>Buyer Comment (XX/XX/XXXX: Appeal. Please see attached Flood Mapping Data showing property is in flood zone X as of XX/XX/XXXX. Loan originated XX/XX/XXXX. LL |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158536858 | 33134626 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Ohio Prepayment Penalty | Ohio Prepayment Penalty: Maximum calculated prepay of $XXX exceeds the state maximum of 1% of the original balance ($XXX). |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536858 | 33134638 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536948 | 33138684 | XX/XX/XXXX | Compliance | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | (Doc Error) Loan was portrayed as first lien but found to be a second lien |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536948 | 33138689 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158536948 | 33138691 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Pennsylvania Prepayment Penalty Junior Lien | Pennsylvania Prepayment Penalty: A prepayment penalty is not permissible on a junior lien loan less than or equal to $XXX. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537226 | 33137293 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (XX/XX/XXXX Exception remains missing flood certificate.<br>Buyer Comment (XX/XX/XXXX Flood Cert<br>Buyer Comment (XX/XX/XXXX Appeal: Attached please find the subject loan origination flood certification. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537226 | 33137336 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537226 | 33137338 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537227 | 33136714 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537227 | 33136741 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537227 | 33142933 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (XX/XX/XXXX Exception remains. The disbursement date should come from page one of the HUD. When page one is missing this information, we look for evidence of funding from the settlement agent. If none found, our system will use the "Interest From" date to be able to run compliance and will also generate a level 2 exception (this exception is informational).<br>Buyer Comment (XX/XX/XXXX Rescission and Closing Instructions<br>Buyer Comment (XX/XX/XXXX Appeal: Attached please find the subject loan right of rescission signed and dated by the borrower XX/XX/XXXX showing loan was not out of rescission until XX/XX. Closing Instructions also confirm the subject loan was not scheduled to fund / disburse until XX/XX/XXXX. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537227 | 33142937 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537227 | 33142939 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537228 | 33134251 | XX/XX/XXXX | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537228 | 33134577 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537228 | 33134578 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537228 | 33134580 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| XXXX |  |  | 3158537228 | 33134581 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, RTC should be on an H9 form.<br>Buyer Comment (XX/XX/XXXX Appeal: Subject loan paid off existing mortgage and liens on property. No new money. H8 is correct form. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537229 | 33135489 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537229 | 33135685 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537229 | 33136446 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Under disclosure due to TIL itemization did not disclose a processing fee in the amount of $XXX or a Closing fee in the amount of $XXX as prepaid finance charges. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537229 | 33136447 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |  |  | Reviewer Comment (XX/XX/XXXX Exception remains. The disbursement date should come from page one of the HUD. When page one is missing this information, we look for evidence of funding from the settlement agent. If none found, our system will use the "Interest From" date to be able to run compliance<br>Buyer Comment (XX/XX/XXXX Rescission end date XX/XX/XXXX<br> Buyer Comment (XX/XX/XXXX Appeal: Per the closing instructions and rescission the subject loan was out of rescission XX/XX/XXXX. The subject loan came out of rescission midnight of XX/XX/XXXX and it appears that was how the HUD was prepared, lining up with the dates on the rescission. It appears to be a difference o interpreting the date rescission ends and the HUD was prepared using the XX/XX date at midnight. Based on the rescission signed by borrowers on XX/XX and closing instructions confirming a closing date of XX/XX, the full three days of rescission was given to the borrowers. The ROR and closing instructions are attached for review. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537230 | 33134426 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537230 | 33136924 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537231 | 33135022 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537231 | 33143503 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537232 | 33134298 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537232 | 33134320 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537232 | 33136906 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537232 | 33138656 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537232 | 33138657 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, Missing spcific property type from loan file. (Single family attached vs Single family detached.)<br>Buyer Comment (XX/XX/XXXX-Appeal: Please refer to page 1014 which reflects Hazard Insurance policy. Under the description of premises section it states the property is a "1" family. Please rescind. TC |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537232 | 33138659 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537232 | 33138667 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537241 | 33137877 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537241 | 33137936 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537241 | 33137938 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Massachusetts Late Charge Grace Period Testing | Massachusetts Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537241 | 33137939 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Massachusetts Late Charge Percent Testing | Massachusetts Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 3%. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537242 | 33138670 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537242 | 33138746 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537242 | 33138749 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX Unable to determine specific property type at origination. Exception remains.<br>Buyer Comment (XX/XX/XXXX: Appeal. Tax Cert in Clarity doc #0534 reflects type of property = SFR. BPO in Clarity doc # 0363 reflects subject property as single family detached and included a photo of the subject property to support. LL |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537244 | 33135089 | XX/XX/XXXX | Compliance | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | (Doc Error) Loan was portrayed as first lien but found to be a second lien |  |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, missing 1st lien note or mortgage from loan file.<br>Buyer Comment (XX/XX/XXXX Appeal. XXX agrees this loan was originated as a 2nd lien per all loan documentation. However, the 1st lien was paid off post closing XX/XX/XXXXwhich moves the subject into first lien position in our servicing system. This is being provided as an explanation for the conflict in reporting. Please see post closing credit and title for support. MC |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537244 | 33135092 | XX/XX/XXXX | Credit | Title | Lien | Title | Missing note/terms on senior lien. Subject loan is in second position. | Lien Position: 1 |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537245 | 33136799 | XX/XX/XXXX | Credit | Title | Lien | Title | Missing note/terms on senior lien. Subject loan is in second position. | Lien Position: 1 |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, please see 1003 listing property as a 2nd lien and see doc 0484 listing XXX in 1st position.<br>Buyer Comment (XX/XX/XXXX Appeal. Please clarify AMC position and reasoning. The subject transaction was a refinance of an existing XXX loan with some cash out to the borrower with the subject transaction resulting in a new first lien position as the prior loan was paid off. Post closing title reports from XXX support the 1st lien position of the subject. There are no senior liens subject to documentation requirements. Please review the HUD1 showing payoff. This loan was originated from our Home Equity department which may afftect some documents/terms. XXX is including a post closing title review from XXX in XXXX evidencing first lien position (should be in out of scope docs in Acuity). MC |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537245 | 33136805 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537245 | 33142606 | XX/XX/XXXX | Compliance | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | (Doc Error) Loan was portrayed as first lien but found to be a second lien |  |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, please see 1003 listing property as a 2nd lien and see doc 0484 listing XXX in 1st position.<br>Buyer Comment (XX/XX/XXXX Appeal. Please clarify AMC position and reasoning. The subject transaction was a refinance of an existing XXX loan with some cash out to the borrower with the subject transaction resulting in a new first lien position as the prior loan was paid off. Post closing title reports from XXX support the 1st lien position of the subject. There are no senior liens subject to documentation requirements. Please review the HUD1 showing payoff. This loan was originated from our Home Equity department which may afftect some documents/terms. XXX is including a post closing title review from XXX in XXXX evidencing first lien position (should be in out of scope docs in Acuity). MC |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537245 | 33142794 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537245 | 33145985 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537246 | 33138495 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537246 | 33139711 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537246 | 33140054 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537246 | 33140055 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537246 | 33140059 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537246 | 33140060 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | New York Prepayment Penalty | New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of XXX% contracts for a prepay term of 36 months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537246 | 33140062 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537248 | 33135328 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537248 | 33135330 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Missouri Late Charge Grace Period Testing | Missouri Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537248 | 33135331 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| XXXX |  |  | 3158537248 | 33135334 | XX/XX/XXXX | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537248 | 33135340 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537249 | 33135097 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537249 | 33135099 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537249 | 33135102 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537249 | 33135103 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Georgia Home Loan (Late Charge) | Georgia Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period of less than ten (10) days. |  |  | Reviewer Comment (XX/XX/XXXX While the late charge exceptions are related to home loans, which is a subset but not the same as high-cost, the assignee liability for GA home loans is the same as high-cost. Assignee liability under the Georgia Fair Lending Act (§ 7-6A-6 of the Georgia Code) is as follows: Any person who purchases, is assigned or otherwise becomes a holder of a high cost home loan will be subject to all affirmative claims and defenses that the borrower could assert against the creditor of the high cost home loan, including the right of rescission, unless the purchaser or holder demonstrates, by a preponderance of the evidence, that the purchaser or holder exercised reasonable due diligence at the time of purchase of the home loans, or within a reasonable time thereafter, intended to prevent the purchaser or holder from purchasing or taking assignment of high cost home loans.<br> However, because the loan was not originated during the blackout period and is outside SOL which, for home loans, is 5 years from first scheduled payment, the exception is graded an EV-2.<br>Buyer Comment (XX/XX/XXXX Loan was originated by XXX a Lender the late charge is As Agreed. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | Yes B |
| XXXX |  |  | 3158537249 | 33135112 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, GFE provided is not dated.<br>Buyer Comment (XX/XX/XXXX GFE<br>Buyer Comment (XX/XX/XXXX Appeal: The subject loan GFE includes the fees for the subject loan, but it does have a different appearance than some of the other GFE's that are issued. XXX has attached the subject loan GFE for review. Please advise if this is acceptable. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537402 | 33137043 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537402 | 33137120 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537402 | 33137281 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537402 | 33137283 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537402 | 33137285 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537402 | 33137286 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | New York Late Charge: Note late charge percent of 2.38896% exceeds the state maximum of 2%. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537402 | 33137287 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | New York Prepayment Penalty | New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of XXX% contracts for a prepay term of 36 months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537404 | 33136747 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158537404 | 33136835 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158537404 | 33138976 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537404 | 33138977 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537404 | 33138979 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537404 | 33138981 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, Unable to determine specific property type at origination(single family detached vs single family attached.)<br>Buyer Comment (XX/XX/XXXX 4.8.25 Appeal attached credit investigation property type SFR – AVM was used as appraisal kindly review rescind.gs |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537406 | 33136816 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158537406 | 33136896 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, missing enough information to determine occupancy.<br>Buyer Comment (XX/XX/XXXX Appeal. Rescission form is present (in Acuity) which can only be offered on a primary reseidence. MC |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537406 | 33136898 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158537406 | 33136954 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537406 | 33136958 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537406 | 33177528 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537406 | 33177529 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537406 | 33177530 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537409 | 33135095 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537409 | 33135096 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537409 | 33135108 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537409 | 33135125 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537409 | 33135312 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXX does not match calculated P&I of $XXX. Note P&I was used for the APR calculation and compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537409 | 33135313 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537409 | 33135314 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537409 | 33135316 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537409 | 33135318 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537409 | 33135319 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537412 | 33135017 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537412 | 33136951 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, missing enough information to determine occupancy.<br>Buyer Comment (XX/XX/XXXX Appeal. Please find the Right of Rescission in Acuity. Rescission can only be offered on primary residences. MC |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537412 | 33136969 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537412 | 33137378 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537412 | 33137380 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537412 | 33177718 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537413 | 33136552 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537413 | 33137421 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537413 | 33138372 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, unable to determine due to missing Title search or title commitment.<br>Buyer Comment (XX/XX/XXXX Appeal: Per Credit Investigation subject transaction was a debt consolidation equity takeout. Per Comment Summary D0700 onXX/XX/XXXXo existing liens on property. Not a same lender refi. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537413 | 33138400 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537416 | 33138870 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537416 | 33139100 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537416 | 33139101 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537416 | 33139102 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537416 | 33139103 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537416 | 33139106 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537416 | 33139107 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537417 | 33135432 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158537417 | 33135433 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158537417 | 33136841 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537417 | 33136844 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537417 | 33136847 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537417 | 33136850 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537417 | 33137263 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537417 | 33137296 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158537417 | 33137313 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXX does not match calculated P&I of $XXX. Note P&I was used for the APR calculation and compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537417 | 33137314 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, missing title search or title commitment to determine.<br>Buyer Comment (XX/XX/XXXX Appeal: Loan originated by XXX and the prior mortgage paid off was XXX. H8 is correct form.-DE |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537420 | 33137315 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158537420 | 33137316 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158537420 | 33137327 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537420 | 33137328 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537420 | 33137329 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537420 | 33137331 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537420 | 33137333 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537420 | 33137341 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537420 | 33138661 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537420 | 33138662 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537421 | 33136670 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537421 | 33136672 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537421 | 33136766 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537421 | 33136767 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537421 | 33136777 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537421 | 33136778 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, missing initial lenders application date.<br>Buyer Comment (XX/XX/XXXX Scope of review changed please re-evaluate. MC |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537421 | 33136780 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537421 | 33136784 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537422 | 33137558 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537422 | 33137559 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537422 | 33137592 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (XX/XX/XXXX Unable to determine specific property type at origination.<br> Exception remains<br>Buyer Comment (XX/XX/XXXX: Appeal. Please see tax cert documentation in Clarity Doc # 0297 supporting the property is a single family /residential improved. Also in Clarity, BPO doc # 0247 including photos supporting property is a single family residence detached. LL |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537422 | 33137593 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537422 | 33138589 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537422 | 33138590 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537422 | 33138592 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, unable to determine property type at origination. (single family detached vs PUD)<br>Buyer Comment (XX/XX/XXXX: Appeal. Please see tax cert documentation in Clarity Doc # 0297 supporting the property is a single family /residential improved. Also in Clarity, BPO doc # 0247 including photos supporting property is a single family residence detached. LL |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537422 | 33138594 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537422 | 33138595 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537422 | 33138596 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537422 | 33138597 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537422 | 33138598 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537422 | 33138599 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537426 | 33137115 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537426 | 33137116 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537426 | 33137129 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, missing enough information to determine occupancy at origination.<br>Buyer Comment (XX/XX/XXXX Appeal. Please find ressission note in Acuity. Rescission can only be offered on a primary residence. MC |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537426 | 33137131 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537426 | 33137225 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537426 | 33137300 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537426 | 33137301 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, missing initial lenders application date.<br>Buyer Comment (XX/XX/XXXX Appeal. Please re-evaluate under new scope for initial 1003s. MC |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537426 | 33137303 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537426 | 33138014 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537427 | 33136644 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (XX/XX/XXXX The exception may be cleared with receipt of a copy of the final application signed at closing (if unable to determine when signed, the exception would be valid which is why we're citing here because while the "Loan Date" is at the top, there is no signature date on the application). Alternatively, the exception may be eligible to be downgraded to EV2-B if the file contains both an acknowledgment of receipt of final application signed by the borrower(s) at closing and additional evidence that the final application was provided to the borrower(s) at closing (evidence reviewed on a case by case basis). If the client would like the exceptions considered for a downgrade, we can use the acknowledgement on D0722 plus the application we have in file.<br>Buyer Comment (XX/XX/XXXX Appeal: Please also see D0722 with sworn acknowledgement that borrower received final loan application at the closing. Credit application identified in prior appeal is hard dated on the day of closing, signed by the borrower and acknowledged under oath on the date of closing that it was received at closing.<br>Reviewer Comment (XX/XX/XXXX Exception remains, 1003 not dated by borrower at closing.<br>Buyer Comment (XX/XX/XXXX Appeal: See D0384. PA |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537427 | 33137153 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537427 | 33137190 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537427 | 33137192 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537427 | 33137195 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Safe Act | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537427 | 33137201 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Final Loan Application) | Texas Constitution Section 50(a)(6): No evidence the borrower(s) received a copy of the final loan application at or prior to closing. |  |  | Reviewer Comment (XX/XX/XXXX Regraded to EV2-B based on acknowledgement plus application in file. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537427 | 33137210 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, Missing appraisal from loan file.<br>Buyer Comment (XX/XX/XXXX Please see the attached screen print which confirms the market value of $XXX at the time of origination. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158537427 | 33138693 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537427 | 33154692 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537428 | 33135447 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537428 | 33135492 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537428 | 33135861 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537428 | 33135863 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537428 | 33177818 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537432 | 33137548 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537432 | 33137610 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537432 | 33138440 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537432 | 33138442 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537432 | 33138444 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537432 | 33138445 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537432 | 33138446 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537432 | 33138447 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537432 | 33139314 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537432 | 33139315 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537433 | 33135460 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537433 | 33136612 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXX does not match calculated P&I of $XXX. Note P&I was used for the APR calculation and compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537433 | 33136614 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537433 | 33136616 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537433 | 33136618 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537433 | 33136620 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Finance Charge Variance of $XXX is due to difference in lender's accepted payment stream as per final TIL and actual calculated payment stream. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537433 | 33136637 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537433 | 33136639 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537433 | 33136641 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, missing final title policy.<br>Buyer Comment (XX/XX/XXXX No title insurance product is issued on asset loans regardless of recording. Please provide specific regulatory reference for finding.<br>Reviewer Comment (XX/XX/XXXX Missing Title Policy. Subject is not a HELOC and in 1st position.<br>Buyer Comment (XX/XX/XXXX Vesting report from origination. Title policy not required on HELOC |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537434 | 33143496 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537434 | 33143541 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  | Reviewer Comment (XX/XX/XXXX The following citations may be referenced for HELOC disclosure requirements (including early disclosures / HELOC brochure) that were in effect in 2003:<br>15 U.S.C. § 1601 et seq.<br> 2 12 C.F.R. Part 226.<br> 3 Pub. L. No. 100-709, 102 Stat. 4725 (Nov. 23, 1988), codified at 15 U.S.C. § 1637A.<br>Buyer Comment (XX/XX/XXXX Please provide specific regulatory reference for finding in 2003. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537434 | 33143542 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  | Reviewer Comment (XX/XX/XXXX The following citations may be referenced for HELOC disclosure requirements (including early disclosures / HELOC brochure) that were in effect in 2003:<br>15 U.S.C. § 1601 et seq.<br> 2 12 C.F.R. Part 226.<br> 3 Pub. L. No. 100-709, 102 Stat. 4725 (Nov. 23, 1988), codified at 15 U.S.C. § 1637A.<br>Buyer Comment (XX/XX/XXXX Please provide specific regulatory reference for finding in 2003. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537434 | 33143543 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537434 | 33143546 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537435 | 33135211 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537435 | 33135213 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537435 | 33135415 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537435 | 33135417 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537435 | 33135477 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537435 | 33135478 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537435 | 33135480 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, Unable to determine property type at origination. Single family detached vs PUD.<br>Buyer Comment (XX/XX/XXXXAppeal. Please see XXX system screen shot of the property as single family detached. LL<br>Reviewer Comment (XX/XX/XXXX Unable to determine specific property type at origination.<br> Exception remains<br>Buyer Comment (XX/XX/XXXXAppeal. AMC's initial exception was for property determination whether SFR. Appeal was made to support that. AMC now condition to support whether the property is attached or detached. Please refer to BPO in Clarity with photos Doc # 0196 capturing the subject property as single family residence as was originated. LL<br>Reviewer Comment (XX/XX/XXXX Exception remains, missing specific property type at origination. Single family attach vs single family detached.<br>Buyer Comment (XX/XX/XXXX: Appeal. Property type is SFR (Single Family Residence) is documented in Clarity tax cert doc #XXX as 401: Residential. BPO doc # 0197 also reflect type of property as SFR. LL |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537437 | 33138167 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537437 | 33138343 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537437 | 33138345 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537437 | 33138468 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537437 | 33138470 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, Unable to determine property type at origination. Single family detached vs PUD.<br>Buyer Comment (XX/XX/XXXXAppeal. Please see XXX MSP System evidencing property was Single Family Detached at origination. LL<br>Reviewer Comment (XX/XX/XXXX Unable to determine based on doc provided. SF Attached or SF Detached, PUD etc. Exception remains.<br>Buyer Comment (XX/XX/XXXX: Appeal. Please refer to Clarity Doc # 0481 indicating subject property is a Single Family. LL |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537437 | 33138472 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537437 | 33138474 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537437 | 33138475 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537440 | 33136694 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537440 | 33136695 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537440 | 33136716 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537440 | 33136868 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537440 | 33136871 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537440 | 33136873 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, unable to determine property type at origination.<br>Buyer Comment (XX/XX/XXXX Post close appraisal<br>Buyer Comment (XX/XX/XXXX Appeal: XXX is providing the subject loan BPO showing subject is a detached, single family residence as alternate documentation to support property type. |  |  |  |  | 2 | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537440 | 33138040 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537440 | 33138046 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Second Home | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537442 | 33136913 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537442 | 33136914 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, missing flood determination from origination.<br>Buyer Comment (XX/XX/XXXX Appeal. Plese see attached Boarding Sheet indicating Not in a Flood Zone, Agreement to Provide Insurance indicating subject is Not in a Flood Zone, and our MSP Flood servicing screen indicating subjext in Zone X, or not in a flood zone. MC |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537442 | 33137492 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  | Reviewer Comment (XX/XX/XXXX Unable to determine specific property type at origination.<br>Buyer Comment (XX/XX/XXXX Appeal. Please see executed Right of Rescission as proof of primary residence. Rescission can only be offered on primary residence. CG |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537442 | 33137495 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537442 | 33137686 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (XX/XX/XXXX EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537442 | 33137689 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537442 | 33177851 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537446 | 33136660 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537446 | 33136684 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, unable to determine clear occupancy at origination.<br>Buyer Comment (XX/XX/XXXX Please review the open ended mortgage for subject property address XXX. This is an investment property with XXX being the Borrower(s) address. |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537446 | 33136686 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, missing final title policy.<br>Buyer Comment (XX/XX/XXXX No title insurance product is issued on asset loans regardless of recording. Please provide specific regulatory reference for finding.<br>Reviewer Comment (XX/XX/XXXX Missing Title Policy. Exception remains.<br>Buyer Comment (XX/XX/XXXX See vesting report from origination.<br>Reviewer Comment (XX/XX/XXXX Exception remains, Title policy received is post origination.<br>Buyer Comment (XX/XX/XXXX FTPOL<br>Buyer Comment (XX/XX/XXXX Appeal, Please see uploaded Final Title Policy, please clear. ta 4/XX/25 |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537446 | 33136731 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537446 | 33136735 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537446 | 33136737 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537446 | 33136738 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, Unable to determine clear occupancy at origination from documents provided.<br>Buyer Comment (XX/XX/XXXX support docs NOO<br>Buyer Comment (XX/XX/XXXX Appeal: Attached please find additional support docs to show Right of Rescission was not required for the subject loan. The Loan Accuracy Review states rescission is NA, plus the borrower mailing address on the social security, tax returns, and investment account all show borrowers reside at XXX, with the subject property being XXX.<br>Reviewer Comment (XX/XX/XXXX Exception remains, unable to determine occupancy at origination based off documents provided.<br>Buyer Comment (XX/XX/XXXX Investment property docs<br>Buyer Comment (XX/XX/XXXX Appeal: The subject loan was on an investment property, therefor no right of rescission was required. XXX is attaching page 1 of the approval and also page 1 of the Note showing borrowers reside at XXX, OH and the colateral address is XXX, OH. Based on the subject transaction being non-owner occupied, no rescission was required. |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537446 | 33177930 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537447 | 33137025 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537447 | 33137267 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537447 | 33137906 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537447 | 33137907 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537447 | 33137909 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537447 | 33137910 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Wisconsin Late Charge Amount Testing First Lien | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537447 | 33137911 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Wisconsin Prepayment Penalty ARM Test | Wisconsin Prepayment Penalty: Adjustable rate loan containing prepayment penalty did not provide disclosure stating that there are also loans available without prepayment penalties. |  |  | Reviewer Comment (XX/XX/XXXX The Wisconsin Prepayment Penalty ARM Test violation is a state prepayment penalty restriction which we test for under Wis. Stat. § 138.056(3m). <br>Wis. Stat. § 138.056(3m)<br> (3m) Prepayment penalties.<br> (a) Notwithstanding s. 138.052 (2) (a), and except as provided in s. 428.207, a lender may not include a prepayment penalty in a variable rate loan using an approved index unless all of the following are satisfied:<br> 1. The lender also makes variable rate loans without prepayment penalties and the lender provides the borrower with a written statement that the lender also makes variable rate loans without prepayment penalties. <br> 2. At the time of the offer of the variable rate loan, and the borrower acknowledges, in writing, receipt of the statement specified in subd. 1. <br> 3. The penalty is limited to prepayment that is made within 3 years of the date of the loan. <br> 4. The prepayment is not made in connection with the sale of a dwelling or manufactured home securing the loan. <br> (b) This subsection applies to variable rate loans made, refinanced, renewed, extended, or modified on or after March 25, 2006.<br>The HELOC Agreement for the subject loan states that if the credit line is closed or terminated in the first 3 years, the borrower will be charged a fee equal to the lesser of 1% of the credit line or $XXX. Although the HELOC Agreement states that this fee will not be charged if the borrower does not close or terminate the credit line, the fee will be charged if the borrower closes or terminates the credit line and as such is considered a prepayment penalty.<br>Exception 26283 was set because the loan was an ARM with a prepayment penalty without a disclosure stating that there are also loans available without prepayment penalties. Note the exception is graded EV2-B.<br>Buyer Comment (XX/XX/XXXX Please provide specific regulatory reference for finding, including rationale that an Early Account Closure Fee is the same as a Prepayment Penalty according to Wisconsin law.<br>Buyer Comment (XX/XX/XXXX Cancelation fee only, no PPP. No statement that a PPP will be charged for prepayment within the HELOC agreement.<br>Reviewer Comment (XX/XX/XXXX Exception remains, see Fee to Close account section of HELOC agreement.<br>Buyer Comment (XX/XX/XXXX Note page 5 Prepayment states without penalty. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537454 | 33136598 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158537454 | 33136823 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158537454 | 33137482 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537460 | 33137098 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537460 | 33137240 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537460 | 33137241 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, unable to determine specific property type at origination. Single family detached vs PUD<br>Buyer Comment (XX/XX/XXXXAppeal. Please see screen print MSP Property Profile - Property type code is 1 which is a single family detached per PRPC field description.<br>Reviewer Comment (XX/XX/XXXX Exception remains, Unable to determine specific property type at origination. Single family detached vs Attached vs PUD.<br>Buyer Comment (XX/XX/XXXXAppeal. AMC's initial exception was for property determination whether SFR. Appeal was made to support that. AMC now condition to support whether the property is attached or detached. Please refer to BPO in Clarity with photos Doc # 0783 capturing the subject property as single family residence as was originated. LL<br>Reviewer Comment (XX/XX/XXXX Exception remains, unable to determine specific property type at origination. (single family detached vs single family attached.)<br>Buyer Comment (XX/XX/XXXX: Appeal. Please see doc # 0837 & 0838 Tax cert reflecting property is a single family residence. Property report doc # 0854 also confirms subject property as single family residence. LL |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537460 | 33137243 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537460 | 33137244 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537460 | 33137245 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | New York Prepayment Penalty | New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of XXX% contracts for a prepay term of 36 months, which exceeds max allowable. |  |  | Reviewer Comment (XX/XX/XXXX The 12 month prepayment penalty period violation is a state prepayment penalty restriction which we test for under N.Y. Gen. Oblig. Law § 5-501(3)(b). There are also prepayment penalty limitations specific to adjustable rate loans found in N.Y. Comp. Code. R. & Regs. tit. 3, §§ 82.1(a) and 82.7. <br>N.Y. Comp. Code. R. & Regs. tit. 3, §§ 82.1(a), 82.7<br> In addition to the requirements set forth in section 5-501(3)(b) of the General Obligations Law which limit prepayment penalties to the first year of a mortgage loan, no prepayment penalty may be taken for any mortgage loan made pursuant to this Part unless, according to the provisions of the note and mortgage, the interest rate for the loan shall remain fixed for a period of at least five years, the loan contract provides for a prepayment penalty and the mortgage broker, mortgage banker and/or exempt organization complies with the provisions of sections 38.2, 38.3 and 38.4 of this Title which pertain to prepayment penalties.<br>N.Y. Gen. Oblig. Law § 5-501(3)(b)<br> Notwithstanding any other provision of law, the unpaid balance of the loan or forbearance may be prepaid, in whole or in part, at any time. If prepayment is made on or after one year from the date the loan or forbearance is made, no penalty may be imposed. If prepayment is made prior to such time, no penalty may be imposed unless provision therefor is expressly made in the loan contract, provided that no penalty may be imposed if prohibited by sections six-l and six-m of the banking law. In all cases, the right of prepayment shall be stated in the instrument evidencing the loan or forbearance, provided, however, that the provisions of this subdivision shall not apply to the extent such provisions are inconsistent with any federal law or regulation.<br>The HELOC Agreement for the subject loan states that if the credit line is closed or terminated in the first 3 years, the borrower will be charged a fee equal to the lesser of 1% of the credit line or $XXX. Although the HELOC Agreement states that this fee will not be charged if the borrower does not close or terminate the credit line, the fee will be charged if the borrower closes or terminates the credit line and as such is considered a prepayment penalty.<br>Exception 25573 was set because the interest rate exceeded 6% and the cancellation fee period exceeded 12 months. Note that the exception is graded EV2-B.<br>Reviewer Comment (XX/XX/XXXX EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of XXX% contracts for a prepay term of 36 months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law.<br>Buyer Comment (XX/XX/XXXX Please provide specific regulatory reference for finding, including rationale that an Early Account Closure Fee is the same as a Prepayment Penalty according to NY law.<br>Buyer Comment (XX/XX/XXXX Cancelation fee only, no PPP. No statement that a PPP will be charged for prepayment within the HELOC agreement.<br>Reviewer Comment (XX/XX/XXXX Exception remains, see Fee to Close account section of HELOC agreement.<br>Buyer Comment (XX/XX/XXXX Note page 4 Prepayment states without penalty. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537460 | 33137278 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, missing final title policy.<br>Buyer Comment (XX/XX/XXXX Vesting report from origination. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537466 | 33136752 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158537466 | 33137012 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537466 | 33137021 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Late Charge | Ohio Late Charge Percent and Amount Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  | Reviewer Comment (XX/XX/XXXX The Ohio late charge limitation cited in exception 22054 applied to "registrants", which was defined as "a person to whom one or more certificates of registration have been issued under sections 1321.51 to 1321.60 of the Revised Code". The exemption for banks applied to sections 1321.01 to 1321.19 and the late charge limitation was cited under 1321.57 and 1321.58.<br> Based on review of the 2007 loan file and the Ohio Code, it is unclear whether the late charge limitation under Ohio Rev. Code § 1321.58(C)(3) would have been applicable to the lender and subject loan at the time of origination. Note the exception is graded EV2-B. <br> Please provide an attestation from the lender stating that they did not have any certificates of registration issued to them at the time this loan was originated (2007) and were not subject to any of the requirements under Ohio Rev. Code § 1321 for further review.<br>Buyer Comment (XX/XX/XXXX Sections 1321.01 to 1321.19 of the Revised Code do not apply to national banks. Please advise why an attestation would be needed.<br>Reviewer Comment (XX/XX/XXXX SitusAMC is unable to determine applicability of Ohio late charge requirements based on documents in the loan file. Please provide an attestation from the lender stating that they did not have any certificates of registration issued to them at the time this loan was originated (2007) and were not subject to any of the requirements under Ohio Rev. Code § 1321 for further review.<br>Buyer Comment (XX/XX/XXXX See late charge Matrix for Ohio for Lender As Agreed. Information provided by AMC is for a loan that was not originated by a Lender. - SO<br>Reviewer Comment (XX/XX/XXXX The late charge restriction in Ohio is that the amount of the default charge shall not exceed the greater of 5% of the scheduled installment or $XXX. <br> The HELOC Agreement contracts for a late charge of $XXX if the minimum payment is overdue. Because the HELOC Agreement does not contain a stated P&I, it becomes impossible to determine whether the late charge contracted for would exceed the 5%/$XXX late charge threshold imposed under the law. Since we don't have the P&I for which to calculate the percentage maximum imposed by the state, we cite the "unable to determine" exception accordingly.<br>Buyer Comment (XX/XX/XXXX Note page 4 late charge. Bank originated, restriction is As Agreed. |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537466 | 33177996 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537477 | 33137575 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537477 | 33137632 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, Missing final title policy from loan file.<br>Buyer Comment (XX/XX/XXXX Property report<br>Buyer Comment (XX/XX/XXXX Appeal: As per the subject HELOC Agreement and Disclosure Statement the borrower was not charged for title insurance. Only a title search was required for the subject transaction. The property report from origination is attached for review |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537477 | 33137782 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537477 | 33137783 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537477 | 33137785 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537477 | 33137787 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, AVM in loan file does not contain specific property type. (single family attached vs single family detached.)<br>Buyer Comment (XX/XX/XXXX Appeal. The property type is identified on the AVM as SFR. MC |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537477 | 33137789 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537503 | 33138052 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537503 | 33138388 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537529 | 33139842 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, missing Facta disclosure from loan file.<br>Buyer Comment (XX/XX/XXXX docs<br>Buyer Comment (XX/XX/XXXX 4.8.25 Appeal attached XXX system Notes showing FACT Act disclosure sent XX.XX.XXXX Note date XX.XX.XXXX kindly review rescind.gs. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537529 | 33139843 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537529 | 33139844 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158537529 | 33139847 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537529 | 33140707 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower at application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537587 | 33139309 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537587 | 33139328 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537590 | 33139626 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537590 | 33139627 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, missing flood determination from origination<br>Buyer Comment (XX/XX/XXXX Appeal. Please see attached Boarding sheet showing subject is not in a flood hazard area and Disbursement sheet showing Not in a flood zone. Also see MSP Sericing screens showing flood zone X with corresponding Map #s. MC |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537590 | 33139669 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537590 | 33139973 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537590 | 33139974 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537590 | 33140702 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537592 | 33143826 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537592 | 33143827 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537592 | 33143830 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537595 | 33139269 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537595 | 33139270 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537595 | 33139278 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537595 | 33139281 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537595 | 33139284 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537595 | 33178104 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537599 | 33138082 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537599 | 33138208 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, missing enough information to determine occupancy.<br>Buyer Comment (XX/XX/XXXXAppeal. Please see executed Right of Rescission in Clarity page 52 Doc 0101 as proof of primary residence. Rescission can only be offered on primary residence…eg |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537599 | 33138209 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, missing final title policy<br>Buyer Comment (XX/XX/XXXX Vesting report from origination. |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537599 | 33138632 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, document referenced does not list specific property type.<br>Buyer Comment (XX/XX/XXXX Appeal: see saved document in Clarity Boarding Data Sheet on page 376 Doc 0099 in the collateral summary showing subject property is 1-4 family unit…eg |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537599 | 33138635 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537599 | 33178128 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537605 | 33138238 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537605 | 33138703 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537605 | 33138705 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, Unable to determine specific property type at origination. (Condo Low vs mid vs High rise)<br>Buyer Comment (XX/XX/XXXX Appeal. Please see attached screen from the loan file where it is designated as a Condo. MC |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537620 | 33138525 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537620 | 33138678 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX Exception remains, Document provided does not list specific property type. (single family detached vs attached)<br>Buyer Comment (XX/XX/XXXX Please see the attached which indicates the property is a Single Family residence. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537620 | 33144321 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537642 | 33139415 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537642 | 33140320 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537771 | 33139250 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537771 | 33139478 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537771 | 33140301 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | New York Prepayment Penalty | New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months. Loan with an interest rate of XXX% contracts for a prepay term of 36 months, which exceeds max allowable. Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  | Reviewer Comment (XX/XX/XXXX The 12 month prepayment penalty period violation is a state prepayment penalty restriction which we test for under N.Y. Gen. Oblig. Law § 5-501(3)(b). There are also prepayment penalty limitations specific to adjustable rate loans found in N.Y. Comp. Code. R. & Regs. tit. 3, §§ 82.1(a) and 82.7. <br>N.Y. Comp. Code. R. & Regs. tit. 3, §§ 82.1(a), 82.7<br> In addition to the requirements set forth in section 5-501(3)(b) of the General Obligations Law which limit prepayment penalties to the first year of a mortgage loan, no prepayment penalty may be taken for any mortgage loan made pursuant to this Part unless, according to the provisions of the note and mortgage, the interest rate for the loan shall remain fixed for a period of at least five years, the loan contract provides for a prepayment penalty and the mortgage broker, mortgage banker and/or exempt organization complies with the provisions of sections 38.2, 38.3 and 38.4 of this Title which pertain to prepayment penalties.<br>N.Y. Gen. Oblig. Law § 5-501(3)(b)<br> Notwithstanding any other provision of law, the unpaid balance of the loan or forbearance may be prepaid, in whole or in part, at any time. If prepayment is made on or after one year from the date the loan or forbearance is made, no penalty may be imposed. If prepayment is made prior to such time, no penalty may be imposed unless provision therefor is expressly made in the loan contract, provided that no penalty may be imposed if prohibited by sections six-l and six-m of the banking law. In all cases, the right of prepayment shall be stated in the instrument evidencing the loan or forbearance, provided, however, that the provisions of this subdivision shall not apply to the extent such provisions are inconsistent with any federal law or regulation.<br>The HELOC Agreement for the subject loan states that if the credit line is cancelled in the first 36 months, the borrower will be charged a cancellation fee equal to 1% of the original line amount or $XXX whichever is greater, plus an additional fee of $XXX to reimburse the lender for any recording fee, documentary stamp, intangible tax, or similar fee that lender incurred in connection with the recording of the security instrument. The HELOC Agreement also states that if the Credit Line is terminated or cancelled, then the entire outstanding balance may be required to be paid to the lender.<br>Exception 25573 was set because the interest rate exceeded 6% and the cancellation fee period exceeded 12 months. Note that the exception is graded EV2 because the HELOC Agreement contains applicable law language.<br>Buyer Comment (XX/XX/XXXX Please provide specific regulatory reference for finding, including rationale that an Early Account Closure Fee is the same as a Prepayment Penalty according to NY law.<br>Buyer Comment (XX/XX/XXXX No statement that a PPP will be charged for prepayment within the HELOC agreement.<br>Buyer Comment (XX/XX/XXXX Cancelation fee only, no PPP.<br>Reviewer Comment (XX/XX/XXXX Exception remains see cancellation fee section of HELOC agreement.<br>Buyer Comment (XX/XX/XXXX Cancellation fee section 12 (f) of the Note. Provide location of PPP. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |

---

![](ex99-01.jpg)

**Data Compare**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Alternate Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** |
| XXXX |  |  | 3158536858 | Street | XXX | XXX | Verified |
| XXXX |  |  | 3158536858 | Original Term | 579 | 180 | Verified |
| XXXX |  |  | 3158536858 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158536858 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158536858 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158536948 | Original Term | 661 | 180 | Verified |
| XXXX |  |  | 3158536948 | Property Type | Townhouse | Single Family Attached | Verified |
| XXXX |  |  | 3158536948 | Lien Position | 1 | 2 | Verified |
| XXXX |  |  | 3158537226 | Original Term | 478 | 180 | Verified |
| XXXX |  |  | 3158537226 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537226 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537226 | Purpose | Purchase | Refinance | Verified |
| XXXX |  |  | 3158537226 | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537227 | Original Term | 381 | 240 | Verified |
| XXXX |  |  | 3158537227 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537227 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537227 | Refi Purpose | Rate/Term | Cash-out - Other | Verified |
| XXXX |  |  | 3158537228 | Original Term | 762 | 180 | Verified |
| XXXX |  |  | 3158537228 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537228 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537228 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537229 | Street | XXX | XXX | Verified |
| XXXX |  |  | 3158537229 | Original Term | 422 | 180 | Verified |
| XXXX |  |  | 3158537229 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537229 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537229 | Purpose | Purchase | Refinance | Verified |
| XXXX |  |  | 3158537229 | Appraised Value | XXX | XXX | Verified |
| XXXX |  |  | 3158537229 | Refi Purpose |  | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537229 | Original LTV | 83.7 | 79.6981 | Verified |
| XXXX |  |  | 3158537230 | Street | XXX | XXX | Verified |
| XXXX |  |  | 3158537230 | Original Term | 765 | 180 | Verified |
| XXXX |  |  | 3158537230 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537230 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537230 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537231 | Original Term | 686 | 180 | Verified |
| XXXX |  |  | 3158537231 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537232 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537232 | Original Term | 703 | 240 | Verified |
| XXXX |  |  | 3158537232 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537232 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537232 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537232 | Purpose | Purchase | Refinance | Verified |
| XXXX |  |  | 3158537232 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537232 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158537232 | Refi Purpose |  | Cash-out - Other | Verified |
| XXXX |  |  | 3158537232 | Original LTV | 79.1 | 21.51899 | Verified |
| XXXX |  |  | 3158537241 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537241 | Original Term | 377 | 180 | Verified |
| XXXX |  |  | 3158537241 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537241 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537241 | Refi Purpose | Rate/Term | Cash-out - Other | Verified |
| XXXX |  |  | 3158537242 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537242 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158537242 | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158537242 | Original Term | 389 | 180 | Verified |
| XXXX |  |  | 3158537242 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537242 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537242 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537242 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537242 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158537242 | Refi Purpose | Rate/Term | Cash-out - Other | Verified |
| XXXX |  |  | 3158537244 | Street | XXX | XXX | Verified |
| XXXX |  |  | 3158537244 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537244 | Original Term | 480 | 180 | Verified |
| XXXX |  |  | 3158537244 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537244 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537244 | Lien Position | 1 | 2 | Verified |
| XXXX |  |  | 3158537244 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537245 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537245 | Original Term | 627 | 180 | Verified |
| XXXX |  |  | 3158537245 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537245 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537245 | Lien Position | 1 | 2 | Verified |
| XXXX |  |  | 3158537245 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537245 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537246 | Street | XXX | XXX | Verified |
| XXXX |  |  | 3158537246 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537246 | Original Term | 537 | 180 | Verified |
| XXXX |  |  | 3158537246 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537246 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537246 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537246 | # of Units | 3 | 2 | Verified |
| XXXX |  |  | 3158537246 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537248 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537248 | Original Term | 607 | 180 | Verified |
| XXXX |  |  | 3158537248 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537248 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537248 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537248 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified |
| XXXX |  |  | 3158537249 | Original Term | 529 | 360 | Verified |
| XXXX |  |  | 3158537249 | Refi Purpose | Rate/Term | Cash-out - Other | Verified |
| XXXX |  |  | 3158537402 | Original Term | 587 | 360 | Verified |
| XXXX |  |  | 3158537402 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537402 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537402 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537402 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537404 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537404 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158537404 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537404 | Original Term | 368 | 360 | Verified |
| XXXX |  |  | 3158537404 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537404 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537404 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537404 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537404 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158537404 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537404 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537404 | Margin |  | 0.75 | Verified |
| XXXX |  |  | 3158537404 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537404 | Refi Purpose | Cash-out | UTD | Verified |
| XXXX |  |  | 3158537406 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537406 | Original Term | 682 | 240 | Verified |
| XXXX |  |  | 3158537406 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537406 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537406 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537406 | Occupancy | Primary | UTD | Verified |
| XXXX |  |  | 3158537406 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158537406 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537406 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537406 | Margin |  | 1.1 | Verified |
| XXXX |  |  | 3158537406 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537406 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158537406 | Refi Purpose | Cash-out | UTD | Verified |
| XXXX |  |  | 3158537409 | Street | XXX | XXX | Verified |
| XXXX |  |  | 3158537409 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537409 | Original Term | 362 | 360 | Verified |
| XXXX |  |  | 3158537409 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537409 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537409 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537409 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537412 | Street | XXX | XXX | Verified |
| XXXX |  |  | 3158537412 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537412 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537412 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537412 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537412 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537412 | Occupancy | Primary | UTD | Verified |
| XXXX |  |  | 3158537412 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537412 | Interest Rate Life Cap | XXX | XXX | Verified |
| XXXX |  |  | 3158537412 | Interest Rate Life Floor | XXX |  | Verified |
| XXXX |  |  | 3158537413 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158537413 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537413 | Original Term | 622 | 360 | Verified |
| XXXX |  |  | 3158537413 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537413 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537413 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537413 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537413 | Margin |  | 1.5 | Verified |
| XXXX |  |  | 3158537413 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537413 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158537413 | Interest Rate Life Floor |  | XXX | Verified |
| XXXX |  |  | 3158537416 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537416 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158537416 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537416 | Original Term | 662 | 360 | Verified |
| XXXX |  |  | 3158537416 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537416 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537416 | Property Type | Single Family | 3 Family | Verified |
| XXXX |  |  | 3158537416 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537416 | Margin |  | 0.25 | Verified |
| XXXX |  |  | 3158537416 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537416 | # of Units |  | 3 | Verified |
| XXXX |  |  | 3158537417 | Original Loan Amount | XXX | XXX | Verified |
| XXXX |  |  | 3158537417 | Original Term | 362 | 360 | Verified |
| XXXX |  |  | 3158537417 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537417 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537417 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537417 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537417 | Refi Purpose | Cash-out | Rate/Term | Verified |
| XXXX |  |  | 3158537420 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537420 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158537420 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537420 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537420 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537420 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537420 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158537420 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537420 | Interest Rate Life Cap | XXX | XXX | Verified |
| XXXX |  |  | 3158537420 | Refi Purpose | Cash-out | UTD | Verified |
| XXXX |  |  | 3158537420 | Interest Rate Life Floor | XXX |  | Verified |
| XXXX |  |  | 3158537421 | Original Loan Amount | XXX | XXX | Verified |
| XXXX |  |  | 3158537421 | Original Term | 368 | 240 | Verified |
| XXXX |  |  | 3158537421 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537421 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537421 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537421 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537422 | Original Term | 665 | 360 | Verified |
| XXXX |  |  | 3158537422 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537422 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537422 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537422 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537422 | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| XXXX |  |  | 3158537422 | Margin |  | 4.55 | Verified |
| XXXX |  |  | 3158537422 | Interest Rate Change Frequency |  | 12 | Verified |
| XXXX |  |  | 3158537422 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537426 | Original Loan Amount | XXX | XXX | Verified |
| XXXX |  |  | 3158537426 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537426 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537426 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537426 | Occupancy | Primary | UTD | Verified |
| XXXX |  |  | 3158537426 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537427 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537427 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537427 | Original Term | 561 | 360 | Verified |
| XXXX |  |  | 3158537427 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537427 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537427 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537427 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537427 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537427 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537427 | Margin |  | 2.25 | Verified |
| XXXX |  |  | 3158537427 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537427 | Original LTV | 50 | 42.27273 | Verified |
| XXXX |  |  | 3158537428 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537428 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537428 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537428 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537428 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537428 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537428 | Interest Rate Life Cap | XXX | XXX | Verified |
| XXXX |  |  | 3158537428 | Interest Rate Life Floor | XXX |  | Verified |
| XXXX |  |  | 3158537432 | Original Term | 361 | 360 | Verified |
| XXXX |  |  | 3158537432 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537432 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537432 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537432 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537433 | Original Term | 596 | 360 | Verified |
| XXXX |  |  | 3158537433 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537433 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537433 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537433 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537434 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537434 | Original Term | 359 | 360 | Verified |
| XXXX |  |  | 3158537434 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537434 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537434 | Appraised Value | XXX | XXX | Verified |
| XXXX |  |  | 3158537434 | Margin | -0.76 | 0 | Verified |
| XXXX |  |  | 3158537434 | Interest Rate Change Frequency | 1 |  | Verified |
| XXXX |  |  | 3158537434 | Interest Rate Life Cap | XXX | XXX | Verified |
| XXXX |  |  | 3158537434 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158537434 | Original LTV | 54.5 | 60 | Verified |
| XXXX |  |  | 3158537434 | Interest Rate Life Floor | XXX |  | Verified |
| XXXX |  |  | 3158537435 | Original Term | 440 | 360 | Verified |
| XXXX |  |  | 3158537435 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537435 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537435 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537435 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537437 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537437 | Original Term | 478 | 360 | Verified |
| XXXX |  |  | 3158537437 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537437 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537437 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537437 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537437 | Index Type |  | LIBOR - 1 Year (Daily) | Verified |
| XXXX |  |  | 3158537437 | Margin |  | 3.65 | Verified |
| XXXX |  |  | 3158537437 | Interest Rate Change Frequency |  | 12 | Verified |
| XXXX |  |  | 3158537437 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537437 | Interest Rate Life Floor |  | XXX | Verified |
| XXXX |  |  | 3158537440 | Street | XXX | XXX | Verified |
| XXXX |  |  | 3158537440 | City | XXX | XXX | Verified |
| XXXX |  |  | 3158537440 | State | MI | OH | Verified |
| XXXX |  |  | 3158537440 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537440 | Original Term | 415 | 360 | Verified |
| XXXX |  |  | 3158537440 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537440 | Original P&I | XXX | XXX | Verified |
| XXXX |  |  | 3158537440 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537442 | Street | XXX | XXX | Verified |
| XXXX |  |  | 3158537442 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537442 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537442 | Original Term | 522 | 240 | Verified |
| XXXX |  |  | 3158537442 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537442 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537442 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537442 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537442 | Occupancy | Primary | UTD | Verified |
| XXXX |  |  | 3158537442 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537442 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537442 | Margin |  | 0 | Verified |
| XXXX |  |  | 3158537442 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537442 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537446 | Street | XXX | XXX | Verified |
| XXXX |  |  | 3158537446 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537446 | Original Term | 644 | 360 | Verified |
| XXXX |  |  | 3158537446 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537446 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537446 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537446 | Occupancy | Investment | UTD | Verified |
| XXXX |  |  | 3158537446 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537446 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537446 | Margin |  | 0.74 | Verified |
| XXXX |  |  | 3158537446 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537446 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537447 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537447 | Original Term | 605 | 360 | Verified |
| XXXX |  |  | 3158537447 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537447 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537447 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537447 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537447 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537447 | Margin |  | -0.51 | Verified |
| XXXX |  |  | 3158537447 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537454 | Street | XXX | XXX | Verified |
| XXXX |  |  | 3158537454 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537454 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158537454 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537454 | Original Term | 524 | 360 | Verified |
| XXXX |  |  | 3158537454 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537454 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537454 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537454 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158537454 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537454 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537454 | Margin |  | 0 | Verified |
| XXXX |  |  | 3158537454 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537454 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537454 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158537454 | Refi Purpose | Cash-out | UTD | Verified |
| XXXX |  |  | 3158537460 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537460 | Original Term | 646 | 360 | Verified |
| XXXX |  |  | 3158537460 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537460 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537460 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537460 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537460 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537460 | Margin |  | -0.51 | Verified |
| XXXX |  |  | 3158537460 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537460 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537460 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158537466 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537466 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537466 | Original Term | 601 | 360 | Verified |
| XXXX |  |  | 3158537466 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537466 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537466 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537466 | Occupancy | Primary | UTD | Verified |
| XXXX |  |  | 3158537466 | Purpose | Refinance | UTD | Verified |
| XXXX |  |  | 3158537466 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537466 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537466 | Margin |  | 0.75 | Verified |
| XXXX |  |  | 3158537466 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537466 | Refi Purpose | Cash-out | UTD | Verified |
| XXXX |  |  | 3158537477 | Street | XXX | XXX | Verified |
| XXXX |  |  | 3158537477 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537477 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158537477 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537477 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537477 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537477 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537477 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537477 | Interest Rate Life Cap | XXX | XXX | Verified |
| XXXX |  |  | 3158537477 | Interest Rate Life Floor | XXX |  | Verified |
| XXXX |  |  | 3158537503 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537503 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537503 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537503 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537503 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537503 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537503 | Margin |  | -0.35 | Verified |
| XXXX |  |  | 3158537503 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537529 | Street | XXX | XXX | Verified |
| XXXX |  |  | 3158537529 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158537529 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537529 | Original Term | 578 | 360 | Verified |
| XXXX |  |  | 3158537529 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537529 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537529 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537529 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537529 | Margin |  | 0.75 | Verified |
| XXXX |  |  | 3158537529 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537529 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158537529 | Interest Rate Life Floor |  | XXX | Verified |
| XXXX |  |  | 3158537587 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537587 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158537587 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537587 | Original Term | 551 | 360 | Verified |
| XXXX |  |  | 3158537587 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537587 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537587 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537587 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537587 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537587 | Margin |  | 1 | Verified |
| XXXX |  |  | 3158537587 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537587 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158537590 | Original Term | 642 | 240 | Verified |
| XXXX |  |  | 3158537590 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537590 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537590 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537590 | Margin |  | -0.26 | Verified |
| XXXX |  |  | 3158537590 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537592 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537592 | Original Term | 614 | 360 | Verified |
| XXXX |  |  | 3158537592 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537592 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537592 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537592 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537592 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537592 | Margin |  | 0.5 | Verified |
| XXXX |  |  | 3158537592 | Interest Rate Change Frequency |  | 1 | Verified |
| XXXX |  |  | 3158537592 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537592 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158537592 | Original LTV | 200 | 48.07692 | Verified |
| XXXX |  |  | 3158537595 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537595 | Original Term | 706 | 240 | Verified |
| XXXX |  |  | 3158537595 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537595 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537595 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537595 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537595 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537595 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537595 | Margin |  | 1.25 | Verified |
| XXXX |  |  | 3158537595 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537595 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158537599 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537599 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537599 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537599 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537599 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537599 | Occupancy | Primary | UTD | Verified |
| XXXX |  |  | 3158537599 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537599 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537599 | Margin |  | -0.26 | Verified |
| XXXX |  |  | 3158537599 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537599 | # of Units | 1 |  | Verified |
| XXXX |  |  | 3158537605 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158537605 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537605 | Original Term | 612 | 360 | Verified |
| XXXX |  |  | 3158537605 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537605 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537605 | Property Type | Condo | UTD | Verified |
| XXXX |  |  | 3158537605 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537605 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537605 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537605 | Margin |  | 3.75 | Verified |
| XXXX |  |  | 3158537605 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537620 | Street | XXX | XXX | Verified |
| XXXX |  |  | 3158537620 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537620 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158537620 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537620 | Original Term | 361 | 360 | Verified |
| XXXX |  |  | 3158537620 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537620 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537620 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537620 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537620 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537620 | Margin |  | 0 | Verified |
| XXXX |  |  | 3158537620 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537642 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158537642 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537642 | Original Term | 557 | 360 | Verified |
| XXXX |  |  | 3158537642 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537642 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537642 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537642 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537642 | Margin |  | -0.1 | Verified |
| XXXX |  |  | 3158537642 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537642 | # of Units |  | 1 | Verified |
| XXXX |  |  | 3158537771 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537771 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158537771 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537771 | Original Term | 519 | 360 | Verified |
| XXXX |  |  | 3158537771 | Original Interest Rate | XXX | XXX | Verified |
| XXXX |  |  | 3158537771 | Original P&I | XXX |  | Verified |
| XXXX |  |  | 3158537771 | Property Type | Single Family | 2 Family | Verified |
| XXXX |  |  | 3158537771 | Interest Only | 0 | 1 | Verified |
| XXXX |  |  | 3158537771 | Index Type |  | Prime (WSJ) | Verified |
| XXXX |  |  | 3158537771 | Margin |  | 0.35 | Verified |
| XXXX |  |  | 3158537771 | Interest Rate Life Cap |  | XXX | Verified |
| XXXX |  |  | 3158537771 | # of Units |  | 2 | Verified |

---

## Exhibit 99.4

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

 **Exhibit 99.4 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC ID** | **Client LN** | **Seller LN** | **Servicer LN** | **Loan ID** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Critical Defect** | **SMtg Open** | **Address Variation** | **Origination Vesting** | **Current Vesting** | **SMtg First Position Mortgage** | **Prior Lien / Judgment** | **Municipal Lien** | **Association Super Lien** | **Property Tax Lien** | **Property Tax Status** | **SMtg Lien Position (Mortgages)** | **Critical Exception Count** | **Prior Mortgage Exception Count** | **Prior Mortgage Exception Total** | **Prior Mortgage Exception Details** | **Prior Lien Exception Count** | **Prior Lien Exception Total** | **Prior Lien Exception Details** | **Municipal Lien Exception Count** | **Municipal Lien Exception Total** | **Municipal Lien Exception Details** | **Property Tax Lien Exception Count** | **Property Tax Lien Exception Total** | **Property Tax Lien Exception Details** | **Association Lien Exception Count** | **Association Lien Exception Total** | **Association Lien Exception Details** | **IRS Lien Exception Count** | **IRS Lien Exception Total** | **IRS Lien Exception Details** | **Deed Vesting Exception Categories** | **Property Tax Status Issue** | **DQ Property Tax Amount** | **Property Tax Status Details** | **Final Event Level** | **Title Exceptions** | **Title Comments** |
| XXXX |  |  |  | 3158536858 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158536948 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537226 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537227 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | XXXX |
| XXXX |  |  |  | 3158537228 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537229 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537230 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Mortgage<br>Code Violation | XXXX |
| XXXX |  |  |  | 3158537231 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 2 | XXXX | XXXX |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage<br>IRS Lien<br>IRS Lien | XXXX |
| XXXX |  |  |  | 3158537232 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537241 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158537242 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 3 | Subordinate Liens/Judgments<br>Transferred to Land Trust<br>Code Violation | XXXX |
| XXXX |  |  |  | 3158537244 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537245 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Fail | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Property Address Discrepancy<br>Borrower Estate Transfer<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158537246 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Inter-Family Deed Transfer | XXXX |
| XXXX |  |  |  | 3158537248 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537249 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537402 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Association Lien - Conditional Super Lien | XXXX |
| XXXX |  |  |  | 3158537404 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537406 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537409 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537412 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Borrower Estate Transfer | XXXX |
| XXXX |  |  |  | 3158537413 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158537416 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 18 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537417 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - No Title Policy Coverage<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537420 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537421 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537422 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537426 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537427 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537428 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158537432 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537433 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537434 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537435 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537437 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537440 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537442 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537446 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 2 | XXXX | XXXX |  |  |  |  | 2 | IRS Lien<br>IRS Lien<br>Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158537447 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158537454 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537460 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537466 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158537477 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537503 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Liens/Judgments<br>PACE Assessment | XXXX |
| XXXX |  |  |  | 3158537529 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Liens/Judgments<br>PACE Assessment | XXXX |
| XXXX |  |  |  | 3158537587 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158537590 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Inter-Family Deed Transfer<br>Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158537592 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust<br>Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158537595 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537599 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537605 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Association Lien - Non-Super Lien | XXXX |
| XXXX |  |  |  | 3158537620 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537642 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537771 | XXXX | XXXX | XX | XXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC ID** | **Client LN** | **Seller LN** | **Loan ID** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Origination Balance** | **Origination Date** | **Unique Exception ID** | **Exception Grade** | **Raw Exception Grade** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **SOL Expired** | **SOL Expiration Date** | **Title Policy** | **Title Policy Insurer** | **Title Policy Effective Date** | **Title Policy Exception** | **Paid on HUD** | **CBR Status** | **Borrower Vested on Title Policy** | **Lien Amount** | **Accrual Rate** | **Lienholder** | **Recording Date** | **Additional Exception Information** |
| XXXX |  |  | 3158536858 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131579 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | Yes | No | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537226 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33140902 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537227 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131638 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537228 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131562 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537230 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131553 | 3 | 3 | Title Diligence | Municipal Lien | Code Violation |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537230 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131602 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537231 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131720 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537231 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131721 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537231 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131726 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537231 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131729 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537241 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131664 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537242 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131835 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537242 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33132578 | 3 | 3 | Title Diligence | Municipal Lien | Code Violation |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537242 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131823 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537245 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131760 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537245 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131765 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537245 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33155691 | 2 | 2 | Title Diligence | Deed Vesting | Borrower Estate Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537246 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33140933 | 2 | 2 | Title Diligence | Deed Vesting | Inter-Family Deed Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537402 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131804 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537402 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131808 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Conditional Super Lien | Yes | XX/XX/XXXX |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537412 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33154486 | 2 | 2 | Title Diligence | Deed Vesting | Borrower Estate Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537413 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33132339 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537416 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131744 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537417 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131836 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537417 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131834 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537428 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33132634 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158537446 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33152628 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537446 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33152629 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537446 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33152631 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537447 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33133736 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537460 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33131838 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537466 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33141062 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Open |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537503 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33133783 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537503 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33133782 | 3 | 3 | Title Diligence | Municipal Lien | PACE Assessment |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537529 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33133006 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537529 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33133028 | 3 | 3 | Title Diligence | Municipal Lien | PACE Assessment |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537587 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33132641 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537590 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33140918 | 2 | 2 | Title Diligence | Deed Vesting | Inter-Family Deed Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537590 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33140919 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537592 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33141132 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537592 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33141135 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | No | UTD | Closed |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537605 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33133811 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537605 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33133816 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537771 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33133667 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Short | XXXX | XX/XX/XXXX | No | UTD | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |

---

## Exhibit 99.4

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

 **Exhibit 99.4 - Schedule 4**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOANUID** | **LOANID** | **LOANID2** | **SLOANID** | **Alternate Loan ID** | **First Payment Date** | **Data Cutoff Date** | **Pay History Scope** | **Pay History Summary (MBA)** | **Months of Data Missing During Lookback** | **Delinquency During Lookback** |
|  |  |  |  | 3158536858 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158536948 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537226 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000011000 | 0 | 2 |
|  |  |  |  | 3158537227 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000021 | 0 | 2 |
|  |  |  |  | 3158537228 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537229 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537230 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000010111000000000 | 0 | 4 |
|  |  |  |  | 3158537231 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537232 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537241 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000004 | 0 | 1 |
|  |  |  |  | 3158537242 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000003222 | 0 | 4 |
|  |  |  |  | 3158537244 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000004321210102221 | 0 | 11 |
|  |  |  |  | 3158537245 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000988876543200 | 0 | 10 |
|  |  |  |  | 3158537246 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000001099 | 0 | 3 |
|  |  |  |  | 3158537248 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537249 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537402 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537404 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537406 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000022 | 0 | 2 |
|  |  |  |  | 3158537409 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537412 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537413 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537416 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537417 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537420 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537421 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537422 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537426 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537427 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000032222100000000 | 0 | 6 |
|  |  |  |  | 3158537428 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537432 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537433 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537434 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000010000000000009 | 0 | 2 |
|  |  |  |  | 3158537435 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537437 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000010 | 0 | 1 |
|  |  |  |  | 3158537440 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537442 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537446 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537447 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537454 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537460 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000011111 | 0 | 5 |
|  |  |  |  | 3158537466 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537477 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537503 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537529 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537587 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537590 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537592 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000999876543 | 0 | 9 |
|  |  |  |  | 3158537595 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000099999876654 | 0 | 11 |
|  |  |  |  | 3158537599 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537605 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537620 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537642 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  |  | 3158537771 | XX/XX/XXXX | 03/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |

---

---

| | | |
|:---|:---|:---|
| **Category** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| No Delinquency, No Missing Data | 39 | 72.22% |
| Delinquency, No Missing Data | 15 | 27.78% |
| No Delinquency, At Least One Month Missing | 0 | 0.00% |
| Delinquency, At Least One Month Missing | 0 | 0.00% |
| **Total** | **54** | **100.00%** |

---

## Exhibit 99.4

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

 **Exhibit 99.4 - Schedule 5**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Seller Loan ID** | **Alternate Loan ID** | **Final Current Event Level** | **Current Exceptions** | **Collection comments** |
|  |  | 3158536858 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158536948 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called to borrower to help to unlink the external account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537402 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to know whether they can pay on XX/XX/XXXX and agent informed borrower about grace period.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Bankruptcy details not available due to limited comments.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537404 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537406 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called and spoke to authorized XX party informed on the modification is completed and the new terms will be updated account due for XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537409 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called borrower advised that delinquent taxes were paid on XX/XX/XXXX for the XX installment in the amount of $X.XX. Advised to send proof of payment however borrower do not have the proof of payment. Borrower confirmed to the website XXXX taxes has been paid in full in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537412 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537413 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called and borrower advised regarding the double payment. Servicer advised will be updated by the end of day XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537416 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and promise to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537417 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537420 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537421 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to know the maturity date of XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537422 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and agent advised the check dated XX/XX/XXXX sent via email.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537426 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537427 | 2 | [2] Damaged Interior - Active insurance claim but unclear who holds funds or covered by bid | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. As per the comments dated claim was forwarded to insurance provided to do repairs in property and as per the comments dated XX/XX/XXXX claim was closed but no evidence of XX% inspection completed. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537428 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537432 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537433 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537434 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537435 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537437 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding check status and research update provided. Borrower called in stating that insurance is due to cancel policy in X/XXXX. Borrower stated that the insurance company never cancelled the policy. Borrower ended getting lender placed insurance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537440 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537442 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to ask about escrow balance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537446 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537447 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537454 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537460 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called on XX/XX/XXXX with regards to the status of the payment, was advised of the website to look for, and also wanted to know more about the refund sent.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537466 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537477 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX party called and promise to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537503 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer spoke to borrower and informed that borrower will be making XXX payment by first week of XXX . However, cannot make payment and mentioned reason for delinquency as curtailment of income.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537529 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to see whether they can send them a copy of the flood XXX page.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537587 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called to borrower and borrower is unwilling to offer promise to pay. Borrower asked about the total amount due for XXX statement. Agent advised to disregard.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537590 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537592 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized XX party called and inquire about the recent account statement. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537595 | 1 | [1] Written Dispute - Servicer responded within XX days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke with borrower and secured verbal authorization and payment processed as requested.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Loss Mit Dispute. The dispute is resolved and the status indicates Servicer responded within XX days and no further communication from mortgagor. Comment dated XX/XX/XXXX indicates borrower accepted the pre-approved modification offer and agent advise no to the loan previously modified. borrower needs to do dispute the decision letter for cancellation for mortgage assistance and agent advised to send letter if they want to dispute the decision. Comment dated XX/XX/XXXX indicates received borrowers dispute letter on XX/XX/XXXX and send it for review. On XX/XX/XXXX indicates based on the letter was uploaded on XX/XX/XXXX that it was not an appeal and provided letter of explanation. Servicer resolved the dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537599 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to make payment and agent assisted.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The proof of claim was filed XX/XX/XXXX. As per the comments dated XX/XX/XXXX chapter XX case XXX was discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537605 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called borrower regarding the payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537620 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in as wanted to check status of the account and why to know why amount was $X.XX on statement. Advised to borrower that is an interest only loan and that cannot show a debt liability on the loan or on the statement, if account is XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: <br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is performing under plan. The proof of claim was filed XX/XX/XXXX. As per the comment dated XX/XX/XXXX, prior bankruptcy case #XXX, chapter XX was discharged on XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537642 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke to borrower regarding deferred balance. Agent advised that deferred balance is a part of amount deferred on a loan modification done in XXXX and advised that deferred mount will due at maturity or if loan paid off early.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537771 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called on XX/XX/XXXX with regards to the insurance and if the policy was up to date.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537226 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537227 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and requested a payoff and was advised requested to send by email and mail.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. Comment dated XX/XX/XXXX indicate that the XXX. Prior Chapter XX DISCHARGE DATE XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537228 | 1 | [1] Written Dispute - Servicer responded within XX days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to request general insurance policy information and escrow balance.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Escrow Dispute. The dispute is resolved and the status indicates Servicer responded within XX days and no further communication from mortgagor. Comment dated XX/XX/XXXX indicates escrow dispute raised by the borrower and resolved by the servicer. There are no further comments related to the dispute and the dispute appears to be resolved.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537229 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in for name correction on the loan. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537230 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called borrower and informed that payment has been submitted and given the confirmation number.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537231 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke with borrower regarding requested paper statements unsuppressed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537232 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was called to inform loan modification was completed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537241 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check the status of the account and the modification and requested the final documents of modification.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537242 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check the status of the account and the monthly payment gone up because of account escrowed and informed about the documents will be sent.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537244 | 1 | [1] Written Dispute - Servicer responded within XX days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called on XX/XX/XXXX to go over the modification details and how the UPB was arrived, was informed it was due to accumulated escrow and fees.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Tax dispute. The dispute is resolved and the status indicates Servicer responded within XX days and no further communication from mortgagor. As per the comments dated XX/XX/XXXX the borrower called and informed that a tax bill was paid with penalties. Due to transfer the borrower was told that at closing the will pay the tax bill which was not paid due to escrow not picking up the tax bill and customer wanted reimbursement for PI paid due to escrow not picking up the tax bill. On XX/XX/XXXX the funds were requested in the amount of total base $X.XX To be (advanced or deposited) back into the Customer's escrow account. The dispute was resolved.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537245 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The successor in interest was called on XX/XX/XXXX to have a follow-up on the XX-SII, successor in interest advised that was is in the hospital but wife will send it. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537246 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called on XX/XX/XXXX with regards to the mortgage payment related enquiry, was also advised of the current and previous amounts and policy details.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537248 | 1 | [1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to inquire about loan modification, borrower requested for a XX year loan and not XX year loan. Representative stated they are just changing the terms based on the modification agreement.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Loss Mit Dispute. The dispute is resolved and the status indicates Servicer responded and appears issue is closed. As per the comments dated XX/XX/XXXX dispute was resolved.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537249 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |

---

![](ex99-01.jpg)

**Exception Summary**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Exception Type** | **Exception Grade** | **Exception** | **Open Exceptions** | **Cleared Exceptions** | **Cured Exceptions** | **Waived Exceptions** | **Unable to Clear Exceptions** | **Total** |
| Comment | 3 |  | 0 | 0 | 0 | 0 | 0 | 0 |
| Comment | 3 | ***Total Comment Grade (2) Exceptions:*** | ***0*** | ***0*** | ***0*** | ***0*** | ***0*** | ***0*** |

---

![](ex99-01.jpg)

**Exception Standard Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Last Name** | **Purpose** | **Occupancy** | **Note Date** | **State** | **Original Loan Amount** | **Loan Status** | **Exception Date** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **Exception Status** | **Exception Status Change Date** | **Exception Grade** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Statute of Limitation Date** | **Comments** |

---

## Exhibit 99.4

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

 **Exhibit 99.4 - Schedule 6**

![](ex99-01.jpg)

**Modification Only Extract**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Alternate Loan ID** | **Borrower Name** | **Street** | **City** | **State** | **Zip** | **Has Modification?** | **Mod Doc Status** | **Mod Amortization Type** | **Total Amount Deferred** | **Mod UPB** | **Mod Principal Forgiven** | **Mod Amount Capitalized** | **Mod Deferred Balance** | **Mod Accruing UPB** | **Mod Date** | **Mod First Payment Date** | **Mod Maturity Date** | **Mod Original Term** | **Mod Amortization Term** | **Mod Original Interest Rate** | **Mod P&I** | **Mod P&I - Calculated** | **Mod Payment Frequency** | **Mod Interest Collection Type** | **Mod Interest Only?** | **Mod Interest Only Period** | **Mod Interest Only Period Expiration** | **Mod Balloon?** | **Mod Neg Am?** | **Mod Months Extended** | **Mod Neg Am Cap (% of UPB)** | **Principal Reduction Alternative** | **Balance Eligible** | **Principal Reduction Alt Amount** | **PRA Year 1 Anniversary Date** | **PRA Year 1 Reduction Amount** | **PRA Year 2 Anniversary Date** | **PRA Year 2 Reduction Amount** | **PRA Year 3 Anniversary Date** | **PRA Year 3 Reduction Amount** | **Mod Program Type** | **Mod Cure** | **Mod Teaser Rate** | **Mod Rate Change Frequency (Payments)** | **Mod Payment Change Frequency (Payments)** | **Mod First Interest Rate Change Date** | **Mod First Payment Change Date** | **Mod Next Interest Rate Change Date** | **Mod Next Payment Change Date** | **Mod Index Type / ARM Type** | **Mod Lookback Period** | **Mod Rounding Factor** | **Mod Rounding Method** | **Mod Initial Rate Cap** | **Mod Initial Rate Floor** | **Mod Initial Rate Maximum** | **Mod Initial Rate Minimum** | **Mod Life Rate Cap** | **Mod Life Rate Floor** | **Mod Life Rate Maximum** | **Mod Life Rate Minimum** | **Mod Periodic Rate Cap** | **Mod Periodic Rate Floor** | **Mod Margin** | **Step 1 Rate Change Date** | **Step 1 Payment Change Date** | **Step 1 Rate** | **Step 1 P&I** | **Step 1 # Payments** | **Step 2 Rate Change Date** | **Step 2 Payment Change Date** | **Step 2 Rate** | **Step 2 P&I** | **Step 2 # Payments** | **Step 3 Rate Change Date** | **Step 3 Payment Change Date** | **Step 3 Rate** | **Step 3 P&I** | **Step 3 # Payments** | **Step 4 Rate Change Date** | **Step 4 Payment Change Date** | **Step 4 Rate** | **Step 4 P&I** | **Step 4 # Payments** | **Step 5 Rate Change Date** | **Step 5 Payment Change Date** | **Step 5 Rate** | **Step 5 P&I** | **Step 5 # Payments** | **Step 6 Rate Change Date** | **Step 6 Payment Change Date** | **Step 6 Rate** | **Step 6 P&I** | **Step 6 # Payments** | **Step 7 Rate Change Date** | **Step 7 Payment Change Date** | **Step 7 Rate** | **Step 7 P&I** | **Step 7 # Payments** | **Step 8 Rate Change Date** | **Step 8 Payment Change Date** | **Step 8 Rate** | **Step 8 P&I** | **Step 8 # Payments** | **Step 9 Rate Change Date** | **Step 9 Payment Change Date** | **Step 9 Rate** | **Step 9 P&I** | **Step 9 # Payments** | **Step 10 Rate Change Date** | **Step 10 Payment Change Date** | **Step 10 Rate** | **Step 10 P&I** | **Step 10 # Payments** | **Mod Prepayment Penalty?** | **Mod Prepayment Penalty Period (months)** | **Mod Prepayment Penalty Percent Amount Year 1** | **Mod Prepayment Penalty Percent Amount Year 2** | **Mod Prepayment Penalty Percent Amount Year 3** | **Mod Prepayment Penalty Percent Amount Year 4** | **Mod Prepayment Penalty Percent Amount Year 5** | **Mod Prepayment Balance Allowance** | **Mod Prepayment Balance Type** | **Mod Hard Penalty Period (Months)** | **Mod Maximum Prepayment Penalty Amount** | **Mod Prepayment Penalty Enforcement** | **Mod Prepayment Penalty Expiration Date** | **Mod Prepayment Penalty Months Interest** | **Mod Stated Penalty Amount** | **Mod Prepayment Terms** | **Mod Extension Deferment?** | **Mod Extension Date** | **New Maturity Date** | **Mod Extension Months** | **Latest Mod Deferment Date** | **Number of Deferments** | **Total Mod Deferment Amount** | **Active Temp Mod?** | **Temp Mod Expiraton Date** | **Temp Mod Status** | **Temp Mod Reverts To** | **Temp Mod Amortization Type** | **Temp Mod UPB** | **Temp Mod Accruing UPB** | **Temp Mod Principal Forgiven** | **Temp Mod Deferred Balance** | **Temp Mod Date** | **Temp Mod First Payment Date** | **Temp Mod Maturity Date** | **Temp Mod Original Interest Rate** | **Temp Mod PI** | **Temp Mod Interest Only** | **Temp Mod Interest Only Period** | **Mod Comments** | **Post Mod Other Change** | **Post Mod Change Date** | **Post Mod Forgiveness Amount** | **Post Mod Change Comment** |
| XXXX |  |  |  | 3158536858 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 399 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158536948 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 480 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537226 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 271 | 271 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 297 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537227 | XXX | XXX | XXX | XX | XXX | Yes | Incomplete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 229 | 229 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 141 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. | No |  |  |  |
| XXXX |  |  |  | 3158537228 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 582 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537229 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 232 | 232 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 242 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537230 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 585 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537231 | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 505 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537232 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 462 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537241 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 190 | 190 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 197 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537242 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 203 | 203 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 208 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537244 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 296 | 296 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 300 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537245 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 437 | 437 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 447 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537246 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 357 | 357 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 356 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537248 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 426 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537249 | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 168 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537402 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 226 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537404 | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX |  | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 311 | 311 | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 239 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158537406 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 442 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537409 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX |  | $XXX | $XXX | $XXX |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 272 | 272 | XXX% | $XXX |  | Monthly | In Arrears | No |  |  | No | No | 2 |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXX modthat fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158537412 | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158537413 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | 262 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537416 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537417 | XXX | XXX | XXX | XX | XXX | Yes |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferment agreement to account for the deferred balance variance of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158537420 | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158537421 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 295 | 295 | XXX% | $XXX | $XXX | Monthly | In Arrears | Yes | 60 | 3/XX/2015 | No | No | 128 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I variance appears related to the post I/O period. | No |  |  |  |
| XXXX |  |  |  | 3158537422 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 304 |  | Yes | $XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537426 | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158537427 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537428 | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158537432 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 285 | 285 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 1 |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a XXX modthat fixes the rate and payment for the life of the loan; other terms of the Note remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158537433 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 235 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537434 | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158537435 | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 345 | 345 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 80 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 285 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537437 | XXX | XXX | XXX | XX | XXX | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. | No |  |  |  |
| XXXX |  |  |  | 3158537440 | XXX | XXX | XXX | XX | XXX | Yes | Incomplete | Fixed | $XXX |  | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 360 | 360 | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | 42 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. Missing a deferment agreement to account for the deferred balance variance of $XXX. | No |  |  |  |
| XXXX |  |  |  | 3158537442 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 333 | 333 | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | 281 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537446 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | 283 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537447 | XXX | XXX | XXX | XX | XXX | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. | No |  |  |  |
| XXXX |  |  |  | 3158537454 | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | 163 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 384 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing modification date appears related to a forgiveness letter. The audited P&I amount is in line with the most recent, executed modification. A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. | Yes | 8/XX/2014 | $61872.48 | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. |
| XXXX |  |  |  | 3158537460 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 285 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537466 | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158537477 | XXX | XXX | XXX | XX | XXX | Yes |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the HELOC Agreement. | No |  |  |  |
| XXXX |  |  |  | 3158537503 | XXX | XXX | XXX | XX | XXX | Yes | Incomplete | ARM | $XXX |  | $XXX | $XXX | $XXX |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 293 |  | XXX% |  |  | Monthly | Daily Simple | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the deferred amount for payments XX/XX/XXX through XX/XX/XXXX. The modification is a HELOC next payment date change and rate change; all other terms within the original HELOC agreement remain in effect. | No |  |  |  |
| XXXX |  |  |  | 3158537529 | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | 479 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158537587 | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX |  | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | 190 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158537590 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 402 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537592 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537595 | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | 466 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  |  |  | 3158537599 | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  |  |  | 3158537605 | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | 252 |  | Yes | $XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  |  |  | 3158537620 | XXX | XXX | XXX | XX | XXX | Yes | Complete | ARM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX |  | XX/XX/XXXX |  |  |  | $XXX |  | Monthly | Daily Simple | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  | Prime (WSJ) |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is a HELOC balance increase and margin change; all other terms within the original HELOC agreement remain in effect. |  |  |  |  |
| XXXX |  |  |  | 3158537642 | XXX | XXX | XXX | XX | XXX | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. | No |  |  |  |
| XXXX |  |  |  | 3158537771 | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 480 | 480 | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | 158 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 384 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing modification date appears related to a forgiveness letter. The audited P&I amount is in line with the most recent, executed modification. A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. | Yes | 8/XX/2014 | $2425.00 | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. |

---

![](ex99-01.jpg)

**Exception Standard Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Last Name** | **Purpose** | **Occupancy** | **Note Date** | **State** | **Original Loan Amount** | **Loan Status** | **Exception Date** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **Exception Status** | **Exception Status Change Date** | **Exception Grade** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Statute of Limitation Date** | **Comments** |
| XXXX |  |  |  | 3158537227 | 33135498 | 18007 | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Loan Package Documentation | Application / Processing | Credit | open |  | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  |  |  | 3158537417 | 33136928 | 24159 | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158537432 | 33137106 | 5003 | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | cleared | 5/XX/2025 | 1 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  | Reviewer Comment (2025/XX/27): Exception cleared. |
| XXXX |  |  |  | 3158537437 | 33137174 | 2801 | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open |  | 3 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  |  |
| XXXX |  |  |  | 3158537440 | 33137143 | 18007 | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Loan Package Documentation | Application / Processing | Credit | open |  | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  |  |  | 3158537440 | 33137166 | 24159 | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open |  | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  |  |  | 3158537447 | 33137254 | 2801 | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open |  | 3 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  |  |
| XXXX |  |  |  | 3158537460 | 33137292 | 2801 | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | cleared | 5/XX/2025 | 1 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XXX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. |  |  | Reviewer Comment (2025/XX/27): Exception cleared. |
| XXXX |  |  |  | 3158537503 | 33137470 | 18007 | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Loan Package Documentation | Application / Processing | Credit | open |  | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the deferred amount for payments XX/XX/XXXX through XX/XX/XXXX. |  |  |  |
| XXXX |  |  |  | 3158537592 | 33137488 | 2801 | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | cleared | 5/XX/2025 | 1 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XXX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. An unsigned copy of the modification was located. The original Note is also missing. |  |  | Reviewer Comment (2025/XX/27): Exception cleared. |
| XXXX |  |  |  | 3158537605 | 33137541 | 2801 | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | cleared | 5/XX/2025 | 1 | Missing Document: Modification not provided |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XXX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |  |  | Reviewer Comment (2025/XX/27): Exception cleared. |
| XXXX |  |  |  | 3158537642 | 33137581 | 2801 | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open |  | 3 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  |  |

---

![](ex99-01.jpg)

**Data Compare**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Alternate Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| XXXX |  |  | 3158537227 | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537229 | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537231 | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537404 | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537409 | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537412 | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  |  | 3158537412 | Has Modification? | No |  |  |
| XXXX |  |  | 3158537412 | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  |  | 3158537417 | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158537420 | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  |  | 3158537420 | Has Modification? | No |  |  |
| XXXX |  |  | 3158537420 | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  |  | 3158537421 | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537426 | Has Modification? | No |  |  |
| XXXX |  |  | 3158537426 | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  |  | 3158537426 | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  |  | 3158537428 | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  |  | 3158537428 | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  |  | 3158537428 | Has Modification? | No |  |  |
| XXXX |  |  | 3158537432 | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537434 | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  |  | 3158537434 | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  |  | 3158537434 | Has Modification? | No |  |  |
| XXXX |  |  | 3158537435 | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537437 | Calculated Amount Due at Maturity | XXX |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |
| XXXX |  |  | 3158537437 | Mod Date | XXXX-XX-XX |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |
| XXXX |  |  | 3158537437 | Mod Maturity Date | XXXX-XX-XX |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |
| XXXX |  |  | 3158537440 | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537440 | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  |  | 3158537447 | Mod Maturity Date | XXXX-XX-XX |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |
| XXXX |  |  | 3158537447 | Calculated Amount Due at Maturity | XXX |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |
| XXXX |  |  | 3158537447 | Mod Date | XXXX-XX-XX |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |
| XXXX |  |  | 3158537454 | Mod Date | XXXX-XX-XX | XXXX-XX-XX | The current servicing modification date appears related to a forgiveness letter. |
| XXXX |  |  | 3158537503 | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537503 | Calculated Amount Due at Maturity | XXX | XXX | The modification is incomplete due to missing the deferred amount for payments 11/XX/2008 through 01/XX/2009. |
| XXXX |  |  | 3158537587 | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537599 | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  |  | 3158537599 | Has Modification? | No |  |  |
| XXXX |  |  | 3158537599 | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  |  | 3158537620 | Mod Date |  | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  |  | 3158537620 | Mod Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Field value reflects source document |
| XXXX |  |  | 3158537620 | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  |  | 3158537642 | Mod Date | XXXX-XX-XX |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |
| XXXX |  |  | 3158537642 | Mod Maturity Date | XXXX-XX-XX |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |
| XXXX |  |  | 3158537642 | Calculated Amount Due at Maturity | XXX |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |
| XXXX |  |  | 3158537771 | Mod Date | XXXX-XX-XX | XXXX-XX-XX | The current servicing modification date appears related to a forgiveness letter. |

---

## Exhibit 99.5

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

**Exhibit 99.5 - Schedule 1**

![](ex993001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

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

The loans in the Review carried origination dates between December 1998 and April 2013.

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

The Review was conducted on two hundred eighteen (218) mortgage loans with an aggregate original principal balance of approximately $19.647 million.

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

▪ "Compliance
 Review": 218 mortgage loans

**▪** "Payment History Review": 218 mortgage loans

▪ "Servicing
Comment Review": 218 mortgage loans

▪ "Title
Review": 218 mortgage loans

▪ "Data
Integrity": 218 mortgage loans

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;State |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original LTV |  |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property Type |  |

---

Additionally, AMC verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, and (iv) that social security numbers across documents were consistent.

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

Not applicable.

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

Not applicable.

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

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

1 \| P a g e

![](ex993001.jpg)

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

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014 (218 mortgage loans)</u>**

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

2 \| P a g e

![](ex993001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(VI) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

3 \| P a g e

![](ex993001.jpg)

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

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

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

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

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

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

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

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

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

**Collection Comment Review:** AMC performed a collection comment review utilizing individual mortgage loan collection comments provided by the servicers in order to provide a brief summary outlining current performance status, the borrower's ability to pay, relative future/current risk (including hardship, life changes, etc.), possible servicer remedies, loss mitigation efforts, and modifications.

**Payment History Review:** AMC performed a review utilizing individual mortgage loan payment history reports provided by the servicers. Using the MBA methodology, AMC created a payment string using a 36 month look back period for each mortgage loan within the payment history population.

**Title Review:** As requested by the Client, a title review was included in SitusAMC's scope of review. To facilitate this review, the Client provided SitusAMC with identifying data on the population of mortgage loans. Data provided by the client, included mortgage loan and servicer identification numbers as well as subject property address, borrower names, origination date, original mortgage loan amount for the subject mortgage and title policies from origination as it relates to the subject mortgage. Using the data provided, SitusAMC ordered a current owner's title search on these mortgage loans through a service provider. Upon receipt and review of the current owner's title search results, SitusAMC identified whether or not the subject mortgage was of record, whether any deed vesting concerns of substance were present, and whether the title search report revealed any liens and/or judgments which could affect the seniority of the subject mortgage, including potentially superior post origination liens and/or judgments such as Property Tax Liens, Municipal Liens, and Association Super Liens. SitusAMC reviewed the title policies for all liens and/or judgments that were recorded before the recordation of the subject mortgage to determine if any identifiable liens and/or judgments were listed as an exception on schedule B of the applicable title policies.

**(9) Disclaimer**

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

4 \| P a g e

![](ex993001.jpg)

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL REVIEW RESULTS SUMMARY (218 Mortgage Loans)**

There were two hundred eighteen (218) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, all two hundred eighteen (218) had a Compliance Review "B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;218 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Final<br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;208 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;198 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data | &nbsp;&nbsp;183 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete GFE | &nbsp;&nbsp;162 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;161 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;30 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Final TIL Estimated | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Safe Act | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final TIL | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Flood | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***1067*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**1067** |

---

5 \| P a g e

![](ex993001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred eighteen (218) loans mortgage loans reviewed, two hundred eight (208) loans (95.41%) mortgage loans had tape discrepancies across nine (9) unique data fields. The most common tape discrepancies were Appraised Value, Property Type and Zip.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;191 | &nbsp;&nbsp;218 | &nbsp;&nbsp;87.61% | &nbsp;&nbsp;218 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;218 | &nbsp;&nbsp;0.46% | &nbsp;&nbsp;218 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;29 | &nbsp;&nbsp;218 | &nbsp;&nbsp;13.30% | &nbsp;&nbsp;218 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;15 | &nbsp;&nbsp;218 | &nbsp;&nbsp;6.88% | &nbsp;&nbsp;218 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;218 | &nbsp;&nbsp;0.46% | &nbsp;&nbsp;218 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;14 | &nbsp;&nbsp;218 | &nbsp;&nbsp;6.42% | &nbsp;&nbsp;218 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;9 | &nbsp;&nbsp;218 | &nbsp;&nbsp;4.13% | &nbsp;&nbsp;218 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;190 | &nbsp;&nbsp;218 | &nbsp;&nbsp;87.16% | &nbsp;&nbsp;218 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;218 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;218 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;68 | &nbsp;&nbsp;218 | &nbsp;&nbsp;31.19% | &nbsp;&nbsp;218 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**518** | &nbsp;&nbsp;**2180** | &nbsp;&nbsp;**23.76%** | &nbsp;&nbsp;**218** |

---

**PAYMENT HISTORY REVIEW SUMMARY (218 Mortgage Loans)**

A Payment History Review was conducted on two hundred eighteen (218) mortgage loans. All two hundred eighteen (218) mortgage loans subjected to the Payment History Review had complete pay history strings. In total, fifty-five (55) mortgage loans (25.23%) showed at last one delinquency within the look back period.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Category** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;No Delinquency, No Missing Data | &nbsp;&nbsp;163 | &nbsp;&nbsp;74.77% |
| &nbsp;&nbsp;Delinquency, No Missing Data | &nbsp;&nbsp;55 | &nbsp;&nbsp;25.23% |
| &nbsp;&nbsp;No Delinquency, At Least One Month Missing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Delinquency, At Least One Month Missing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**218** | &nbsp;&nbsp;**100.00%** |

---

**COLLECTION COMMENT REVIEW SUMMARY (218 Mortgage Loans)**

AMC conducted a Collection Comment Review on two hundred eighteen (218) mortgage loans. Of the mortgage loans subject to the collection comment review, two hundred thirteen (213) mortgage loans (97.71%) triggered an EV1 or EV2 exception level and five (5) mortgage loans (2.29%) triggered an EV3 exception level.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Servicing Review Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;204 | &nbsp;&nbsp;93.58% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;9 | &nbsp;&nbsp;4.13% |
| &nbsp;&nbsp;3 | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**218** | &nbsp;&nbsp;**100.00%** |

---

6 \| P a g e

![](ex993001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**Exception<br> Grade** | &nbsp;&nbsp;**Exception** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Comment | &nbsp;&nbsp;3 | &nbsp;&nbsp;Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Comment | &nbsp;&nbsp;3 | &nbsp;&nbsp;Damaged Interior - Damage remains unresolved and no indication covered by insurance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Comment | &nbsp;&nbsp;3 | &nbsp;&nbsp;***Total Comment Grade (3) Exceptions:*** | &nbsp;&nbsp;***5*** |

---

**SitusAMC TITLE REVIEW SUMMARY (218 Mortgage Loans)**

As part of the due diligence services, the Client provided SitusAMC with identifying data on 218 mortgage loans. Based on the scope of review set forth herein, the critical findings are summarized as follows:

● There are no potential issues concerning origination deed vesting

● No unresolved Super Position HOA Liens recorded after the subject mortgage which were entitled to limited or full lien priority over the subject mortgage were identified.

● Except with respect to 7 Municipal Liens across 5 mortgage loan files, no unresolved Municipal Liens which had limited or full lien priority over the subject mortgage were located.

● Except with respect to 2 Property Tax Liens across 1 mortgage loan files, no unresolved Property Tax Liens which had limited or full lien priority over the subject mortgage were located.

● Except with respect to 4 Prior Liens across 3 mortgage loan files which were recorded prior to the subject mortgage, all Prior Liens identified in our review have been resolved. With respect to the 4 Prior Liens across 3 mortgage loan files, 1 Prior Lien was determined to be mitigated as the mortgage loan file contains a Title Policy on which there are no stated exceptions which explicitly preclude coverage, and 3 Prior Liens were not able to be mitigated as the mortgage loan file did not contain sufficient title evidence.

● Except with respect to 26 Prior Mortgages across 25 mortgage loan files which were recorded prior to the subject mortgage, all Prior Mortgages identified in our review have been resolved. With respect to the 26 Prior Mortgages across 25 mortgage loan files, 2 Prior Mortgages were determined to be mitigated as the mortgage loan files contain a Title Policy on which there are no stated exceptions which explicitly preclude coverage, 10 Prior Mortgages were determined to be mitigated as the statutory timeline for enforcement as passed, 14 Prior Mortgages were not able to be mitigated as the mortgage loan files did not contain sufficient title evidence.

● 1 mortgage file contained evidence of a Release of Lien for the subject security instrument.

● As to any Miscellaneous Items of substance, the items in this category typically defy standard categorization or summarization and are individually detailed.

**ADDITIONAL LOAN POPULATION SUMMARY\***

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;190 | &nbsp;&nbsp;87.16% | &nbsp;&nbsp;$17565017.29 | &nbsp;&nbsp;89.40% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;28 | &nbsp;&nbsp;12.84% | &nbsp;&nbsp;$2082193.00 | &nbsp;&nbsp;10.60% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**218** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19647210.29** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;218 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$19647210.29 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**218** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19647210.29** | &nbsp;&nbsp;**100.00%** |

---

7 \| P a g e

![](ex993001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;64 | &nbsp;&nbsp;29.36% | &nbsp;&nbsp;$5818627.15 | &nbsp;&nbsp;29.62% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;127 | &nbsp;&nbsp;58.26% | &nbsp;&nbsp;$10945688.27 | &nbsp;&nbsp;55.71% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.75% | &nbsp;&nbsp;$581816.00 | &nbsp;&nbsp;2.96% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.29% | &nbsp;&nbsp;$676450.00 | &nbsp;&nbsp;3.44% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;14 | &nbsp;&nbsp;6.42% | &nbsp;&nbsp;$1536985.87 | &nbsp;&nbsp;7.82% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.92% | &nbsp;&nbsp;$87643.00 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**218** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19647210.29** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;0-120 Months | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.83% | &nbsp;&nbsp;$269700.00 | &nbsp;&nbsp;1.37% |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;26 | &nbsp;&nbsp;11.93% | &nbsp;&nbsp;$1903872.88 | &nbsp;&nbsp;9.69% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;55 | &nbsp;&nbsp;25.23% | &nbsp;&nbsp;$5535180.20 | &nbsp;&nbsp;28.17% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;133 | &nbsp;&nbsp;61.01% | &nbsp;&nbsp;$11938457.21 | &nbsp;&nbsp;60.76% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**218** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19647210.29** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;19 | &nbsp;&nbsp;8.72% | &nbsp;&nbsp;$2211677.00 | &nbsp;&nbsp;11.26% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;15 | &nbsp;&nbsp;6.88% | &nbsp;&nbsp;$1729903.70 | &nbsp;&nbsp;8.80% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% | &nbsp;&nbsp;$56800.00 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;183 | &nbsp;&nbsp;83.94% | &nbsp;&nbsp;$15648829.59 | &nbsp;&nbsp;79.65% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**218** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19647210.29** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;205 | &nbsp;&nbsp;94.04% | &nbsp;&nbsp;$18870912.79 | &nbsp;&nbsp;96.05% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;12 | &nbsp;&nbsp;5.50% | &nbsp;&nbsp;$717297.50 | &nbsp;&nbsp;3.65% |
| &nbsp;&nbsp;Unknown | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.46% | &nbsp;&nbsp;$59000.00 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**218** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$19647210.29** | &nbsp;&nbsp;**100.00%** |

---

8 \| P a g e

## Exhibit 99.5

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

 **Exhibit 99.5 - Schedule 2**

![](ex99-01.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Grade Summary** | **Grade Summary** | **Grade Summary** | **Grade Summary** | **Grade Summary** |
| **Standard and Poor's Loan Grades** | **Standard and Poor's Loan Grades** | **Standard and Poor's Loan Grades** | **Standard and Poor's Loan Grades** | **Standard and Poor's Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 0 | 0 | 0 |
| B | 0 | 218 | 0 | 218 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |
| N/A | 0 | 0 | 0 | 0 |
| **Total** | **0** | **218** | **0** | **218** |
| **Fitch Loan Grades** | **Fitch Loan Grades** | **Fitch Loan Grades** | **Fitch Loan Grades** | **Fitch Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 0 | 0 | 0 |
| B | 0 | 218 | 0 | 218 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |
| N/A | 0 | 0 | 0 | 0 |
| **Total** | **0** | **218** | **0** | **218** |
| **DBRS Rating Agency Loan Grades** | **DBRS Rating Agency Loan Grades** | **DBRS Rating Agency Loan Grades** | **DBRS Rating Agency Loan Grades** | **DBRS Rating Agency Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 0 | 0 | 0 |
| B | 0 | 218 | 0 | 218 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |
| N/A | 0 | 0 | 0 | 0 |
| **Total** | **0** | **218** | **0** | **218** |
| **Moodys Rating Agency Loan Grades** | **Moodys Rating Agency Loan Grades** | **Moodys Rating Agency Loan Grades** | **Moodys Rating Agency Loan Grades** | **Moodys Rating Agency Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 0 | 0 | 0 |
| B | 0 | 218 | 0 | 218 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |
| N/A | 0 | 0 | 0 | 0 |
| **Total** | **0** | **218** | **0** | **218** |
| **Kroll Rating Agency Loan Grades** | **Kroll Rating Agency Loan Grades** | **Kroll Rating Agency Loan Grades** | **Kroll Rating Agency Loan Grades** | **Kroll Rating Agency Loan Grades** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 0 | 0 | 0 | 0 |
| B | 0 | 218 | 0 | 218 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |
| **Total** | **0** | **218** | **0** | **218** |

---

![](ex99-01.jpg)

**Loan Level Exception - Disposition**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Alternate Loan ID** | **Borrower Name** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** |
| XXXX |  |  | 3158537431 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date oXX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed oXX/XX/XXXXX, prior to three (3) business days from transaction date oXX/XX/XXXX.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  | BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Please see Clarity doc # D0360 and also attached reflecting date of disbursement request waXX/XX/XXXX. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Both referenced docs are one in the same & neither list the Disbursement date.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Please see screen print reflecting loan closeXX/XX/XXXX and fundeXX/XX/XXXX. LL<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Please see Note. The transaction date waXX/XX/XXXX. Per the Promise to Pay section, interest does not begin until the business day following the midnight expiration of the rescission periodXX/XX/XXXX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per the Transaction date/ Notary date on Security Instrument, loan closed oXX/XX/XXXX.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): The loan closed oXX/XX/XXXX, Right of Cancel response due date waXX/XX/XXXX at midnight, which was three business days after loan closed. The loan funded the next day. MZ<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per the Transaction date/ Notary date on Security Instrument, loan closed oXX/XX/XXXX. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158537486 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | – B |
| XXXX |  |  | 3158537543 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): Appeal. Please see page 517 D653 showing the application date oXX/XX/XXXX- RAC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Tape data & property report indicate that reviewed loan is a 1st lien iao $XXX / XXX%. Referenced doc (page 517) indicates app date is for a 2nd lien iao $XXX / XXX%. Exception remains. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158537571 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158537586 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | BUYER - GENERAL COMMENT (XX/XX/XXXX): Please review uploaded flood<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Closing date XX/XX/XXXX, Date of disclosure XX/XX/XXXX. Flood Ins Notice was not received prior to closing. | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Liability for violations cannot be transferred to a subsequent purchaser of a loan.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158537632 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): 6.24.25 Subject loan is a XXX HELOC and did not utilize a 1003. JF<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Promissory Note is a 1st lien loan, not a HELOC as there's no line of credit. Missing Final Loan Application from Origination. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): 6.24.25 Subject loan is a XXX HELOC which did not require a GFE. JF<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Promissory Note is a 1st lien loan, not a HELOC as there's no line of credit.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): 6.24.25 Please review the Property Report at page 25 doc# D0180 which specifies type as S and Boarding Data Sheet at page 23 doc#D979 collateral summary section which identifies the subject as a 1-4 family. JF<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Referenced doc is often entered as a general property type which does not specify the actual type of property, ie: detached/attached/PUD, etc. Missing Appraisal from origination. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158537658 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158537735 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Finance Charge Variance of $XXX is due to difference in lender's accepted payment stream as per final til and actual calculated payment stream. | BUYER - GENERAL COMMENT (XX/XX/XXXX): 6/26-Appeal: Per the HUD-1, all closing costs reflect Lender Paid, please review and rescind. TC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): According to the language in the ROR, the H9 Rescission Model Form is applicable. The HUD-1 document shows the payoff of the previous XXX HELOC (as indicated in the credit report), where there is an increase in the credit amount. The language emphasizes the new transaction rather than the rescission of the previous loan, highlighting that the right to cancel applies solely to the new credit.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): ROR, HUD-1, CBR<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The ROR type, itself, is not essentially in question, it's the inability to determine previous lender since the title is missing from the file.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Additional support to show correct form used. Public Record showing prior HELOC originated by XXX and Deed of Trust.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Unable to use screenshot. There's no relevant (address, date, etc.) info to prove as previous lender. Exception remains. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | – B |
| XXXX |  |  | 3158537769 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158537770 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158537810 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(a)(6) Acknowledgment of Fair Market Value and TX50(a)(6) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158537838 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose $XXX Origination Fee and $XXX Flood Cert as prepaid finance charges. |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158537858 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158537872 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Please see Clarity Doc # 1356 reflecting subject property is single family detached. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Doc type can only come from origination documentation, not post closing. Missing Appraisal from origination. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158537873 | XXX | $XXX | XX | XX/XX/XXXX | Primary | UTD UTD |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Notice Concerning Extensions of Credit Disclosure dated less than 12 days prior to closing, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): 6.20.25 Appeal. Please see attached system screen print showing the property type at origination. Please review and rescind. rk<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Attached screenshot does not show property type. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158537903 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158537907 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158537909 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158537922 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158537936 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538049 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): 6.20.25 Appeal. Please see D0108, page 57 for Home Equity Application which specifies to property type as SFR. Please review and rescind. Rk<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Referenced doc is often entered as a general property type which does not specify the actual type of property, ie: detached/attached/PUD, etc. Missing Appraisal from origination. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538058 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538060 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): 6.25.25 Please clarify what fees you are referring to, additional information is requested. thank you .<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): THE HELOC and the HUD both show borrower paid loan orig. fee $XXX please advise.gs.<br> REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (XX/XX/XXXX): The origination fee on the HELOC agreement is $XXX and matches the fee amount on the HUD. The Appraisal fee of $XXX (POC), Admin fee of $XXX (POC) and Flood cert fee of $XXX (POC) on the HUD are not included on the HELOC agreement therefore they do differ. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538092 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (XX/XX/XXXX): The HUD-1 indicates the payoff of a prior 1st and 2nd mortgage with XXX (same lender refinance). The ROR indicates the borrower is entering into a new transaction to increase the amount of credit previously provided. Based on the language in the ROR, the correct form (H9) was utilized.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): HUD-1, ROR<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The HUD cannot be used to determine previous lender as it does not differentiate if 'Lender' listed on the HUD is actual lender or servicer. This info should come from the Prelim Title. Exception remains. | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | – B |
| XXXX |  |  | 3158538094 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538110 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538134 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538205 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): 7/8-Appeal: Attached please find origination title search which confirms lien paid off with XXX/XXX. Pls rescind. TC<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): title | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538220 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538235 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Insurance Documentation - Flood Insurance Error: Insurance premium was not provided.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - Texas Home Loan (Insurance Notice to Applicant Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Notice of Special Flood Hazard Disclosure is missing<br> State Compliance - Texas Home Loan (Insurance Notice to Applicant Not Provided Timely): Application date is missing in file | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal - Please see the attached Notice of Flood provided to the borrower oXX/XX/XXXX. CG<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Note Date XX/XX/XXXX, Flood Notice XX/XX/XXXX. Disclosure not given prior to closing. | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Liability for violations cannot be transferred to a subsequent purchaser of a loan.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>State Compliance - Texas Home Loan (Insurance Notice to Applicant Not Provided Timely): It is unclear whether an assignee of either a Texas home loan or a high-cost home loan would be exposed to administrative and civil liability. |  | – B |
| XXXX |  |  | 3158538296 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538301 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538323 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538337 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): Title<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. Missing Final Title from Origination. |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose recording service fees totaling $XXX as pre paid finance charges. | BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Please see Clarity doc #0679 - Itemization of amount financed listed all the ppfc. LAS reflect discrepancies of $XXX & $XXX in recording fees. Both are not ppfc. Itemization of amount financed reflects the $XXX recording fee was paid by lender. The $XXX recording fee was paid by borrower's own funds. Finance charge was re-calculated and yielded an FC accurate result. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the recording service fees. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | – B |
| XXXX |  |  | 3158538350 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | – B |
| XXXX |  |  | 3158538386 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an CLO Fee $XXX and Flood LOL $XXX as prepaid finance charge. |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158538405 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538448 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538531 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538538 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538552 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose $XXX Flood Cert Fee, $XXX CLO Fee and $XXX Recording Service Fee as prepaid finance charges. |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158538579 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538665 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Notice Concerning Extensions of Credit Disclosure dated less than 12 days prior to closing, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538712 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538732 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538733 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538735 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158538762 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538784 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Please see Clarity doc # 0961 reflecting property type is a single family dwelling. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Referenced doc is often entered as a general property type and does not specify the actual type of property, ie: detached/attached/PUD, etc. Missing Appraisal from origination. |  |  | – B |
| XXXX |  |  | 3158538789 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose $XXX Flood Cert, $XXX Settlement Fee, $XXX Courier Fee and $XXX Tax Cert Fee as prepaid finance charges. |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158538836 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - Texas 50(a)(6) Security Instrument Provided on a TX Non-Home Equity Loan: Texas Home Equity 50(a)(6) Security Instrument provided on a transaction determined not to be eligible for Texas Equity 50(a)(6). Potential contractual issue |  | BUYER - GENERAL COMMENT (XX/XX/XXXX)XX/XX/XXXX25 Appeal. Subject is a Not Same Lender transaction and the proper H8 form was utilized. Please note, the XXX, XXX merger did not occur untiXX/XX/XXXX. The subject transaction is dated just prior oXX/XX/XXXX. The prior mortgage was originated by XXX. The loan was acquired by XXX and serviced under XXX Loan# XXX as shown on the HUD1 and Boarding sheet disbursements. The Note and DOT of that prior loan are still located in our Image system and attached for your review. MC | State Compliance - Texas 50(a)(6) Security Instrument Provided on a TX Non-Home Equity Loan: Potential contractual issue |  | – B |
| XXXX |  |  | 3158538880 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Please see Clarity doc # D0111 Title search at origination, reflecting XXX is the current lender being refinanced with XXX, same lender refinance. Property is in OH, 6th Circuit Court. ROR form used was H8 which have held that the use of an H8 form in a same-lender refinance is acceptable notice to the borrower of their rescission rights. LL<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Please disregaXX/XX/XXXX appeal. LL | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538898 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $XXX is underdisclosed from HUD Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  | BUYER - GENERAL COMMENT (XX/XX/XXXX APPEAL, The under disclosed amount of $XXX is below the tolerance threshold of $XXX for refinances. /dp<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, flood not disclosed on HELOC agreement.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Per LAS and HUD-1, the only prepaid finance charge is the Flood cert for $XXX, and is within the $XXX tolerance. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. No additional documentation was provided. This exception is not for finance charge violation. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538919 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538969 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. | BUYER - GENERAL COMMENT (XX/XX/XXXX): Appeal – See Application date also See HUD, lender is the settlement agent.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX APPEAL, Please provided calculation details used to arrive at the re-calculated finance charge. /dp<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, However, without a breakdown of the lender's APR and FC calculation, we cannot be sure of the reason for the variance. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158538971 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): Appeal, Please see document showing property type of Single family, found in Acuity page 17 D0075. - RAC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Referenced doc is often entered as general property types and do not specify the actual type of property, ie: detached/attached/PUD, etc. Missing Appraisal from origination. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158538981 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): 6.17.25 Subject loan closed as a HELOC. HELOC loans generally do not utilize 1003 applications which are required for mortgage loans. JF<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Promissory Note is not a line of credit. Exception remains. Missing Final Loan Application from Origination. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): 6.17.25 Home Equity Lines of Credit (HELOCS) are generally exempt from RESPA. RESPA applies to federally related mortgage loans, refinances, property improvement loans, assumptions and equity lines of credit secured by residential real estate. However, HELOCS are not subject to the same requirements as traditional mortgage loans. JF<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Promissory Note is not a line of credit, it is a loan. Exception remains.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): 6.17.25 Please review page 1006 doc id#D0438 Boarding Data Sheet-Collateral Summary which reports the subject as 1-4 Family with a value of $XXX and page 748 doc id# D0752 which is the XXX Property Report completed on 5.18.2006 which reports the subject as "Property Type S". Final HUD1 at line 803 Appraisal reports $XXX fee for Appraisal to XXX. JF<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Referenced docs are often entered as general property types and do not specify the actual type of property, ie: detached/attached/PUD, etc. Missing Appraisal from origination.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): 6.25.25 Please re-review document at page 748 doc#D0752 which is the XXX Property Report referenced on the HUD. The charge was $XXX and a fee for a full appraisal. Property Type is shown as S which does match Boarding data sheet as a 1-4 family. JF<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The label "1-4 family" represents more than one type of residence. We cannot assume one type over another as "S" is too general of a term. Details would be determined from the Appraisal which is missing from origination. Exception remains. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | – B |
| XXXX |  |  | 3158538984 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539000 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Notice Concerning Extensions of Credit Disclosure dated less than 12 days prior to closing, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539023 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539030 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539078 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539096 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539146 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided |  | BUYER - GENERAL COMMENT (XX/XX/XXXX25 - Appeal. Final Title policy not required for 2nd lien.-GBN<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): This HELOC is a 1st position lien - Final Title is required.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX25 - Appeal. Please see MSP FHST screenshot for flood zone.-GBN<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): flood zone<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. A Flood Mapping Data screenshot is not a Flood Cert. |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  | BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Reviewed LAS. The only ppfc charge is a flood cert for $XXX which was paid by lender. In any event, $XXX underdisclosed ppfc is below the $XXX tolerance allowed. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the flood fee, and recording fees<br> BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Reviewed LAS. The only ppfc charge is a flood cert for $XXX which was paid by lender. In any event, $XXX underdisclosed ppfc is below the $XXX tolerance allowed. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the flood fee, and recording fees | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539209 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539212 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.) |  | – B |
| XXXX |  |  | 3158539279 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539298 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158539315 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX25 - Appeal. Please see D1301 document ID in Clarity for flood certificate.-GBN<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Flood Cert referenced is not from the time of origination. Exception remains. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539339 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539397 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539412 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539446 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539501 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539531 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539555 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $XXX is underdisclosed from HUD Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): 6.30.25 Appeal. The flood life of loan in the amount of $XXX was not paid by the borrower according to executed Disbursement Request & Authorization form located in the loan under D0483, page 922. Please review and rescind. rk<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, Fees disclosed on HUD were not reflected on HELOC.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX)XX/XX/XXXX - Please see page 2 of the attached Owner Acknowledgment document which states "I have not paid any fees or charges in connection with this extension of credit that are not shown on the HUD-1 or HUD1 A Settlement Statement." This statement was initialed by the borrower and the document was signed by the borrower. Please review and rescind. LM<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): 6.30.25 Appeal. The flood life of loan in the amount of $XXX was not paid by the borrower according to executed Disbursement Request & Authorization form located in the loan under D0483, page 922. Please review and rescind. Rk<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, Fees disclosed on HUD were not reflected on HELOC.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX)XX/XX/XXXX - Please see page 2 of the attached Owner Acknowledgment document which states "I have not paid any fees or charges in connection with this extension of credit that are not shown on the HUD-1 or HUD1 A Settlement Statement." This statement was initialed by the borrower and the document was signed by the borrower. Please review and rescind. LM | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539588 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539599 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): confirming disbursement<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, Notary datXX/XX/XXXX<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Note datXX/XX/XXXX and disbursement checks dateXX/XX/XXXX - 3 business days<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. The rescission rule under Note allow the consumer to exercise their right to rescind until midnight of the third business day following the last occurrence of the following events: 1. The date of the transaction; 2. Delivery of the rescission notice; and 3. Delivery of all material disclosures. Under #1 above, this would represent the date the loan closed. While this would normally be evidenced by the signature on the Note, the Note does not indicate which date the document was signed; however, the Security Instrument does evidenced by the notary jurat. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158539642 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. | BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Please see trailing doc uploaded XX/XX/XXXX25 page 472/473. Clarity doc # 0148 Drive report page 2 with XXX as lender reflecting property type is single family residence. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Referenced doc is often entered as a general property type which does not specify the actual type of property, ie: detached/attached/PUD, etc. Missing Appraisal from origination.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal - The requirement does not apply to HELOC's and was effective after the origination date of the subject loan. CG<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. The Secure and Fair Enforcement for Mortgage Licensing Act was in effect 2008 and is not affected by loan type.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Appeal: Agree that the SAFE Mortgage Licensing Act was in effect in 2008. Disagree that the specific requirement to include the NMLS information on the application applied to HELOC's. | Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539650 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539657 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  | BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Per LAS & HUD, the only prepaid finance charge is the $XXX for Flood cert fee; this is within the $XXX tolerance. Re-calculated ppfc and yielded fc accurate result. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. Fees disclosed on HUD were not disclosed on HELOC agreement.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Per LAS & HUD, the only prepaid finance charge is the $XXX for Flood cert fee; this is within the $XXX tolerance. Re-calculated ppfc and yielded fc accurate result. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. Fees disclosed on HUD were not disclosed on HELOC agreement.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX APPEAL, Providing evidence of application date. /dp<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per process for alt source for application date, document must state "Application Date" and have lender name to be used.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX APPEAL, Providing evidence subject is a SFR. /dp<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Referenced doc is too general and does not specify the actual type of property, ie: detached/attached/PUD, etc. Details would be determined from the Appraisal which is missing from origination. Exception remains. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539681 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Notice Concerning Extensions of Credit Disclosure dated less than 12 days prior to closing, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): 7/3-Appeal: Final Hud-1 and disbursement documentation on subject transaction reflects loan being paid off is with XXX and the correct H8(different lender)form was used. TC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Previous lender is determined from title, not the HUD. There's no way to determine Lender vs Servicer utilizing the HUD. Exception remains.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): 7/5-Appeal: Attached please find evidence of XXX county recorders office showing release of American Mortgage Co Lien paid off by subject transaction. TC<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): release<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The lien release screenshot does not specify enough information to determine it was the loan for the subject property. Additionally, there's 336 lines of info in search criteria but only 1 page supplied to AMC for review. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158539713 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX APPEAL, Please see Collateral Summary section of the Boarding Data Sheet and Flood insurance section of the Disbursement Request and Authorization for Flood information. Flood insurance was not required. /dp<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Referenced docs are not a Flood Certification. Exception remains. |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX APPEAL, Please see Collateral Summary section of the Boarding Data Sheet and Flood insurance section of the Disbursement Request and Authorization for Flood information. Flood insurance was not required. /dp<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Referenced docs do not identify the Flood Zone. Exception remains.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX)XX/XX/XXXX25 Appeal: Please see the attached post origination Title Search which confirms the original lender was different from the subject loan lender. The H-8 form is for a refinance with a different lender. CK | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539739 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539832 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539836 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158539976 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540003 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540014 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540042 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  | BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Re-calculated ppfc and yielded an fc accurate result. The only ppfc item is the $XXX Flood cert fee which the borrower did not pay – see Disbursement Request and Authorization in Clarity doc # 0284. Additionally, the tolerance for refi is $XXX.LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, under disclosure of difference between HELOC agreement and HUD<br> BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Re-calculated ppfc and yielded an fc accurate result. The only ppfc item is the $XXX Flood cert fee which the borrower did not pay – see Disbursement Request and Authorization in Clarity doc # 0284, no charges. Additionally, the tolerance for refi is $XXX.LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, under disclosure of difference between HELOC agreement and HUD. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540058 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: ProvidXX/XX/XXXX07. ClosiXX/XX/XXXX07. |  | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Liability for violations cannot be transferred to a subsequent purchaser of a loan.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540081 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose CLO Fee of $XXX and Flood Cert Fee of $XXX.5 as prepaid finance charges. | BUYER - GENERAL COMMENT (XX/XX/XXXX): The HUD-1 indicates the payoff of a XXX mortgage (not the same lender). The ROR does not indicate the borrower is entering into a new transaction to increase the amount of credit previously provided. Based on the absent of this language in the ROR, the correct form (H8) was utilized<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Previous lender is determined from title, not the HUD. There's no way to determine Lender vs Servicer utilizing the HUD. Exception remains.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): XXXX was not the Lender or the servicer as the pay off request was received from XXXX. (See attached)<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): XXX was not the Lender as the payoff request was received from XXX. (See attached) | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158540092 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed oXX/XX/XXXXX, prior to three (3) business days from transaction date oXX/XX/XXXX.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed | BUYER - GENERAL COMMENT (XX/XX/XXXX): Appeal – See Notary Acknowledgment. This instrument was Acknowledged before me on. The borrower executed HUD and ROR are dated as of the transaction datXX/XX/XXXX with the Disbursement date oXX/XX/XXXX. A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the dates are made clear by the date the borrower(s) received two copies of the notice explaining your right to rescind, HUD and Note<br> REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (XX/XX/XXXX): Unable to clear. Prior trailing document provided, see D77, provided the funding date oXX/XX/XXXX.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Appeal - Saturday is a business day for the lender, ROR dateXX/XX/XXXX tXX/XX/XXXX rescission compliant with funding date oXX/XX/XXXX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, Loan closed XX/XX as per Notary date and RTC eligible disbursement date iXX/XX/XXXX.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Appeal – See Notary Acknowledgment. This instrument was Acknowledged before me on. The borrower executed HUD and ROR are dated as of the transaction datXX/XX/XXXX with the Disbursement date oXX/XX/XXXX. A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the dates are made clear by the date the borrower(s) received two copies of the notice explaining your right to rescind, HUD and Note<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The RTC expiration date is dated prior to Disbursement date. Per Funding date on trailing docs XX/XX/XXXX while RTC cancel date, printed on RTC XX/XX/XXXX.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Appeal - Saturday is a business day for the lender, ROR dateXX/XX/XXXX tXX/XX/XXXX rescission compliant with funding date oXX/XX/XXXX. Please review and clear both the ROR and the Rescission exceptions as the Rescission exception is locked out but not cleared.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, Loan closed XX/XX as per Notary date and RTC eligible disbursement date iXX/XX/XXXX. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158540118 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540128 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Notice Concerning Extensions of Credit Disclosure dated less than 12 days prior to closing, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed oXX/XX/XXXXX, prior to three (3) business days from transaction date oXX/XX/XXXX.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): Please see Note. Per the Promise to Pay section, interest does not begin until the business day following the midnight expiration of the rescission periXX/XX/XXXX01. MZ<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. Notary date on the Security Instrument is XX/XX and the transaction date. Three business days after that date XX/XX, XX/XX, XX/XX (Saturday) makes the loan eligible for disbursement on the Monday the XXX. Evidence of disbursement on the XXX is prior to the three business days.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Please see attached boarding data sheet showing disbursement date, also loan proceed payoff checks are all dateXX/XX/XXXX. MZ<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. The Security Instrument is notarized on the XXX and considered the transaction dated which is when the right to rescind date starts. Three business days from the transaction date is the XXX. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158540133 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540143 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed oXX/XX/XXXXX, prior to three (3) business days from transaction date oXX/XX/XXXX.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): Appeal – See Notary Acknowledgment. This instrument was Acknowledged before me on. The borrower executed the ROR is dated as of the transaction datXX/XX/XXXX with the Disbursement date oXX/XX/XXXX. A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the date is made clear by the date the borrower received two copies of the notice explaining your right to rescind.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, Please provide evidence the loan was closed oXX/XX/XXXX despite the fact the Mortgage appears to have been signed oXX/XX/XXXX. Note the preprinted date oXX/XX/XXXX on page 1 of the Note is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Rescission period start date: The three-day right of rescission period, established under the Truth in Lending Act (TILA), doesn't begin until after these three events have occurred: Signing of the credit contract (Promissory Note). Receipt of the TILA disclosure document (Closing Disclosure). Receipt of two copies of the notice explaining the right to rescind. The Acknowledgment that the borrower received 2 copies of the right to cancel is signed and dated by the borroweXX/XX/XXXX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, Please provide evidence the loan was closed oXX/XX/XXXX despite the fact the Mortgage appears to have been signed oXX/XX/XXXX. Note the preprinted date oXX/XX/XXXX on page 1 of the Note is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Appeal – See Notary Acknowledgment. This instrument was Acknowledged before me on. The borrower executed the ROR is dated as of the transaction datXX/XX/XXXX with the Disbursement date oXX/XX/XXXX. A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the date is made clear by the date the borrower received two copies of the notice explaining your right to rescind.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, Please provide evidence the loan was closed oXX/XX/XXXX despite the fact the Mortgage appears to have been signed oXX/XX/XXXX. Note the preprinted date oXX/XX/XXXX on page 1 of the Note is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Rescission period start date: The three-day right of rescission period, established under the Truth in Lending Act (TILA), doesn't begin until after these three events have occurred: Signing of the credit contract (Promissory Note). Receipt of the TILA disclosure document (Closing Disclosure). Receipt of two copies of the notice explaining the right to rescind. The Acknowledgment that the borrower received 2 copies of the right to cancel is signed and dated by the borroweXX/XX/XXXX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, Please provide evidence the loan was closed oXX/XX/XXXX despite the fact the Mortgage appears to have been signed oXX/XX/XXXX. Note the preprinted date oXX/XX/XXXX on page 1 of the Note is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158540156 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540158 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540160 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540164 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.) |  | – B |
| XXXX |  |  | 3158540184 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540193 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): 7/6-Appeal : Attached please find confirmation of XXX Lien being released after being paid off with subject transaction. This confirms it was a different lender and therefore correct H8 rescission form was utilized. TC<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): lien release<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The lien release screenshot does not specify enough information to determine it was the subject property loan being paid off. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.) |  | – B |
| XXXX |  |  | 3158540226 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.) |  | – B |
| XXXX |  |  | 3158540245 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540276 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  | BUYER - GENERAL COMMENT (XX/XX/XXXX)XX/XX/XXXX25 Appeal: Please see attached Title Search which reflects the original lender was different than the subject loan lender. In addition. please see Docs D0734 (Final HUD1), D0678 (Payoff Statement) and, D0653 (Credit Report), The original letter per the documents was Litton. CK |  |  | – B |
| XXXX |  |  | 3158540329 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540345 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540349 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX APPEAL, Please see Collateral Summary section of the Boarding Data Sheet and Flood insurance section of the Disbursement Request and Authorization for Flood information. Flood insurance was not required. /dp<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The Disbursement Request is not a Flood Cert. Exception remains. |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX APPEAL, Please see Collateral Summary section of the Boarding Data Sheet and Flood insurance section of the Disbursement Request and Authorization for Flood information. Flood insurance was not required. /dp<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The Flood Hazard Zone is not located on the Disbursement Request. Exception remains.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX)XX/XX/XXXX25 Appeal: Please see DOCs D0542 (HUD1), D0512 (Credit Report), D0553 (Payoff Statement), and D0552). The original lender was XXX. The XXX account number matches between the HUD1, Payoff statement, and the Hazard Insurance. The original lender for the subject loan was a different lender. CK | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540380 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540472 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540486 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX APPEAL, Please see Collateral Summary section of the Boarding Data Sheet and Flood insurance section of the Disbursement Request and Authorization for Flood information. Flood insurance was not required. /dp<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A Disbursement Request is not an acceptable replacement for a Flood Certification. Exception remains. |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX APPEAL, Please see Collateral Summary section of the Boarding Data Sheet and Flood insurance section of the Disbursement Request and Authorization for Flood information. Flood insurance was not required. /dp<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A Disbursement Request does not identify the Flood Zone. Exception remains.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX)XX/XX/XXXX25 Appeal: Please see DOC D1506, the Final HUD1, which shows the loan payoff to XXX. DOC D1516 is the payoff letter to XXX. The Credit Report (D3178) validates the XXX Mortgage Payoff. XXX was not the original lender on the subject loan. CK | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540506 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. | BUYER - GENERAL COMMENT (XX/XX/XXXX25 - Appeal. Please see D0128 document ID in Clarity for the Property Type.-GBN<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Referenced doc is a general property type which does not specify the actual type of property. Details would be determined from the Appraisal which is missing from origination. Exception remains.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Finance charge was re-calculated and yielded FC accurate result. Borrower's finance charge is only the $XXX as reflected on the TIL and HUD. The finance charge of $XXX is accurate. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the flood fee or CLO. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158540510 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX25 Please see D0707 765/1878 PUD Rider states at the bottom "Multistate PUD Rider - Single Family - Fannie Mae/Freddie Mac Uniform Instrument"<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Referenced doc is not specific as there's more than 1 type of PUD. Details would be determined from the Appraisal which is missing from origination. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540517 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540560 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.) |  | – B |
| XXXX |  |  | 3158540604 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): Appeal: Attached please find the Release of Lien sent for recording by XXX after the XXX mortgage was paid with the subject loan. The release confirms XXX was the original lender. Based on the release confirming XXX is not the original lender, the proper rescission form, H8, was used for the subject closing.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): release of lien | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540606 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Finance Charge Variance of $XXX is due to a CLO-fee to Lending Tree paid POC not disclosed on the Itemization of Fees. | BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Please see Clarity doc # D0426 - Amount Financed Itemization which supports borrower paid ppfc is only $XXX loan origination fee. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the CLO fee. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158540650 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540728 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): Please review document found Notice of Insurance Notice - D 0186. Document date during origination and it shows the Policy number.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Flood MSP Screen<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Attached screenshot is not an acceptable replacement for a Flood Certification. Exception remains. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540755 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): The HUD-1 indicates the payoff of a XXX mortgage (not the same lender). The ROR does not indicate the borrower is entering into a new transaction to increase the amount of credit previously provided. Based on the absent of this language in the ROR, the correct form (H8) was utilized.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Appeal withdrawn.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): No action | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540790 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540807 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540831 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | – B |
| XXXX |  |  | 3158540832 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed oXX/XX/XXXXX, prior to three (3) business days from transaction date oXX/XX/XXXX.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158540845 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540869 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540909 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX APPEAL, Please see Collateral Summary section of the Boarding Data Sheet and Flood insurance section of the Disbursement Request and Authorization for Flood information. Flood insurance was not required. /dp<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Referenced docs are not a Flood Certification. Exception remains. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540919 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540922 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): 7/7-Appeal: Attached please find original deeds for loans with XXX and XXX paid off at closing. TC<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): deeds<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A Warranty Deed from XXX does not serve as a valid and most updated evidence of previous lender. The Assignments uploaded are from XXXX - post closing. The other is from XXXX showing a different borrower - both are not relevant. The Prelim title is the preferred document. Exception remains. |  |  | – B |
| XXXX |  |  | 3158540931 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX)XX/XX/XXXX Appeal. Please find attached Title Search report. Full title policy was not required for Home Equity loans. LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Title Search is acceptable as a Prelim title. Subject loan is in 1st lien position so Final Title is required. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540980 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - Alternate source used for application date<br> [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. | Miscellaneous Compliance - Alternate source used for application date: At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing.<br> Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | BUYER - GENERAL COMMENT (XX/XX/XXXX): Flood cert in trailing docs. MC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, Exception refers to Flood disclosure.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Subject transaction was a refi - Borrower already had an active flood insurance policy in place. | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Liability for violations cannot be transferred to a subsequent purchaser of a loan.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540983 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158540989 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541012 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541045 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX APPEAL, Providing evidence of application date. /dp<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per process for alt source for application date, document must state "Application Date" and have lender name to be used. Additionally, there is no year listed on the date.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): 7.8.25 Please re-review the uploaded documents which specify a telephone application was taken, document is signed and notarized, stating initial application was taken at least 12 days prior to closing and 2 loan processing documents which report the subject loan application date for the purpose of processing the subject loan was considered to be XX.XX.XXXX. JF<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): 7.8.25 Please re-review uploaded documents. JF | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541047 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541156 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541180 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541187 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541193 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX 6/XX/25 APPEAL, HELOAN, Flood Cert provided shows property is not in flood zone, flood insurance is not required. /dp<br> BUYER - GENERAL COMMENT (XX/XX/XXXX Please disregard previous appeal. /dp<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Ok. Exception remains. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541196 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): 6.25.25 Appeal HELOC open end credit card account per HUD the closing fees were POC by lender and per HELOC agreement page 142of550 D0235 payment of closing cost-did not "elect to charge" any fees. Please give additional information as to what this exception is for. thank you<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, Fees charged on HUD are POC but unable to determine party that paid POC charges. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541198 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541228 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541241 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Notice Concerning Extensions of Credit Disclosure dated less than 12 days prior to closing, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541341 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541365 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX 6/XX/25 APPEAL, HELOAN, MSP screen shows (FLOD) flood zone X, flood insurance is not required. /dp<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Attached screenshot is not a Flood Cert. Exception remains. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a CLO fee of $XXX as prepaid finance charge. |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158541388 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541429 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] General - Missing Document: Escrow Option Clause not provided<br> [3] Insurance Documentation - Missing Document: Flood Insurance Policy not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): Escrow Option Clause not required see exception 33561553, escrowed prior to requirement date.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): See Flood Policy |  |  |  | 2 | [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.<br> [2] Federal Compliance - Flood Insurance Policy Missing: The subject property is in a flood zone, evidence of flood insurance was not provided/obtained. Failure to obtain and disclose required insurance may result in additional federal and/or state compliance violations.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Verify and date capture as per source document | BUYER - GENERAL COMMENT (XX/XX/XXXX): Please see attached screenshot from MSP. Thank you.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): see attached file<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The attached screenshot is not the Notice of Special Hazard Disclosure provided prior to closing.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Please review flood document<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Please confirm the documents prior to uploading. Doc is not dated or signed. Nor is it the correct document. Exception remains.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Please see attached screenshot from MSP screen.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): See attached.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The attached screenshot does not show the Flood Insurance Policy. Exception remains.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Please review uploaded Flood document<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per Flood Cert, property is in a flood zone therefore flood insurance is required.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): See Flood Policy in Trailing Docs | Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Liability for violations cannot be transferred to a subsequent purchaser of a loan.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541490 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541523 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541540 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | – B |
| XXXX |  |  | 3158541578 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): 6.27.25 Appeal. In the loan file, under D0301, page 50, comment summary notes dateXX/XX/XXXX state, 1st lien Condo. In addition, Credit Investigation, under D032, page 59 shows property type as SFR & Condo. Please review and rescind. rk<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, Unable to determine specific property type at origination. |  |  | – B |
| XXXX |  |  | 3158541588 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541625 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541634 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX)XX/XX/XXXX25 Appeal. Please find title search attached. MC |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541671 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed | BUYER - GENERAL COMMENT (XX/XX/XXXX: Appeal. Re-calculated ppfc and yielded an fc accurate result. There are no pppfc paid by borrower as reflected on Disbursement Request and Authorization in Clarity doc # D0493.LL<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the flood fee or settlement/closing fee. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158541680 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. | BUYER - GENERAL COMMENT (XX/XX/XXXX): Appeal: Attached please find the subject title commitment which does not show any mortgages on Schedule B. This is supported by HUD-1 not paying off any mortgage as well.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): title | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158541716 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | – B |
| XXXX |  |  | 3158541809 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541872 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX)XX/XX/XXXX APPEAL, A title policy was not required for this HELOC, see Disbursement Instructions and Installment Loan Amount Financed Itemization TIL disclosure, show no charge for a Title Insurance Policy. /dp<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. Final Title policy required for 1st lien transactions. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  | BUYER - GENERAL COMMENT (XX/XX/XXXX)XX/XX/XXXX APPEAL, HELOC, Please see attached MTLI-Track 1 screen print from Residential Loan Production System showing application date aXX/XX/XXXX. /dp<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Screen print as described not located in file from 6/30. Please give location or reupload.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX APPEAL, Reloading MTLI-Track 1 screen print. /dp<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. Per process for alt source for application date, document must state "Application Date" and have lender name to be used. Screen shot provided does not reflect a lender name.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX)XX/XX/XXXX APPEAL, Please see attached HELOC Collateral valuation screen print and credit investigation showing property details. /dp<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Referenced doc is not specific as there's more than 1 type of SFR. Details would be determined from the Appraisal which is missing from origination. Exception remains.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX APPEAL, THE Document provided clearly shows that the property is not a Condo, PUD, nor Manufactured home. /dp<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The documents do not identify specific property type. i.e.: attached or detached. Exception remains. |  |  | – B |
| XXXX |  |  | 3158541897 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541925 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed oXX/XX/XXXXX, prior to three (3) business days from transaction date oXX/XX/XXXX.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): Appeal – See Notary Acknowledgment. This instrument was Acknowledged before me on. The borrower executed the ROR is dated as of the transaction datXX/XX/XXXX with the Disbursement date oXX/XX/XXXX. A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the date is made clear by the date the borrower received two copies of the notice explaining your right to rescind.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, Please provide evidence the Loan was opened oXX/XX/XXXX despite the fact the Mortgage appear to have been signed oXX/XX/XXXX. Note the preprinted date oXX/XX/XXXX on page 1 of the is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Rescission period start date: The three-day right of rescission period, established under the Truth in Lending Act (TILA), doesn't begin until after these three events have occurred: Signing of the credit contract (Promissory Note). Receipt of the TILA disclosure document (Closing Disclosure). Receipt of two copies of the notice explaining the right to rescind. The Acknowledgment that the borrower received 2 copies of the right to cancel is signed and dated by the borroweXX/XX/XXXX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, Please provide evidence the Loan was opened oXX/XX/XXXX despite the fact the Mortgage appear to have been signed oXX/XX/XXXX. Note the preprinted date oXX/XX/XXXX on page 1 of the is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX - Appeal – See Notary Acknowledgment. This instrument was Acknowledged before me on. The borrower executed the ROR is dated as of the transaction datXX/XX/XXXX with the Disbursement date oXX/XX/XXXX. A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the date is made clear by the date the borrower received two copies of the notice explaining your right to rescind. – SO<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, Please provide evidence the Loan was opened oXX/XX/XXXX despite the fact the Mortgage appear to have been signed oXX/XX/XXXX. Note the preprinted date oXX/XX/XXXX on page 1 of the is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Rescission period start date: The three-day right of rescission period, established under the Truth in Lending Act (TILA), doesn't begin until after these three events have occurred: Signing of the credit contract (Promissory Note). Receipt of the TILA disclosure document (Closing Disclosure). Receipt of two copies of the notice explaining the right to rescind. The Acknowledgment that the borrower received 2 copies of the right to cancel is signed and dated by the borroweXX/XX/XXXX.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, Please provide evidence the Loan was opened oXX/XX/XXXX despite the fact the Mortgage appear to have been signed oXX/XX/XXXX. Note the preprinted date oXX/XX/XXXX on page 1 of the is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158541927 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541937 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541962 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): Please review uploaded title<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Doc is a Title Search, not a Final Title.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Please review uploaded Flood.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The doc in review is a flood determination, not a certification. |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541972 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158542027 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158542054 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158542104 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): 6/30-Appeal: Attached please find flood zone indicator. Property not in a flood zone and therefore flood zone/insurance not required. TC<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): disregard entered in error property is in a flood zone and origination flood cert not found.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Ok, disregarded. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158542113 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158542191 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158542229 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158542236 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose an Settlement/Closing/Escrow fee of $XXX and Flood Certification (Life of Loan) fee of $XXX as a prepaid finance charge. |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158542248 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158542271 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Notice Concerning Extensions of Credit Disclosure dated less than 12 days prior to closing, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158542274 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158542327 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158542368 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158542373 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158542411 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a CLO fee fee of $XXX as prepaid finance charge. | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal: Please see the Loan Closing Cover Sheet, which reveals the application date oXX/XX/XXXX, on page 51 (Doc ID 0928) of the Clarity loan file. EW<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Per process for alt source for application date, document must state "Application Date" and have lender name to be used.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): 7.9.25 Please re-review the closing coversheet at page 51 which reports 12.26.06 and the initial application. No lender's name is noted as there is no 3rd party in the transaction, unable to locate an evidence of a broker, etc. JF | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158542419 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date oXX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX Appeal: Please see the Note (page 733 (Doc ID 0892) of the Clarity Loan File). Per the Promise to Pay section, interest does not begin until the business day following the midnight expiration of the rescission periodXX/XX/XXXX is identified as the day the loan will fund and the borrower is obligated to the repayment as disclosed. EW<br> BUYER - GENERAL COMMENT (XX/XX/XXXX25 Please see D0650 Application received by telephone - states I understand that I made my application with lender for my equity extension of credit by telephone or other media that does not constitute filling out a paper application at least 12 days prior to signing my equity extension of credit documentation.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Referenced document does not notate what day 'at least 12 days prior' is so we cannot arbitrarily enter a random date as the application date. The actual date would come from the initial 1003. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158542430 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158542433 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158542456 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158542491 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): Flood Zone<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Flood Certificate from origination is missing. Exception remains. |  |  |  | 2 | [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158537008 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure oXX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX25 Appeal. Subject is a purchase transaction in TX. The Note and the HUD1 are dated foXX/XX/XXXX. There is also a Disbursement Authorization dateXX/XX/XXXX, but is not executed. It is unusual to see an exception for disburment date on a purchase transaction. MC<br> BUYER - GENERAL COMMENT (XX/XX/XXXX25 Appeal. Subject is a purchase transaction in TX. The Note and the HUD1 are dated foXX/XX/XXXX. There is also a Disbursement Authorization dateXX/XX/XXXX, but is not executed. It is unusual to see an exception for disburment date on a purchase transaction. MC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Documentation provided did not reflect an application date in order to clear exception. |  |  | – B |
| XXXX |  |  | 3158537048 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure oXX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX)XX/XX/XXXX25 Appeal: Please see DOC D1435 which states the funding date waXX/XX/XXXX. CK<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): D1435 is a post closing letter. Exceptions remains. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  | – B |
| XXXX |  |  | 3158537059 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure oXX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | – B |
| XXXX |  |  | 3158537095 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure oXX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX25-Appeal: Attached please find confirmation of disbursement date oXX/XX/XXXX which matches the interest beginning on the Final Hud-1. TC<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): disb date<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): .<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): A worksheet is not acceptable to use as a Disbursement date. Additionally, there are multiple signed worksheets with different dates on them. Exception remains.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): subject is a purchase and not a refi. | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  | – B |
| XXXX |  |  | 3158537152 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. | BUYER - GENERAL COMMENT (XX/XX/XXXX): 7/8-Appeal: Attached please find the funding worksheet which confirms no fees were charged to the borrower. TC<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): funding | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158537154 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158537186 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158537323 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure oXX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): disb date<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The HUD addendum is not acceptable for the Disbursement date as 'will cause the funds to be disbursed' is not: funds have been disbursed on X date.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): 6/29-Appeal: Please refer to origination appraisal DOC1395 which confirms the property is a single family detached property. TC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Referenced 1004 is not to the subject borrower or property address. Exception remains. | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158537324 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158537365 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): 6/29-Appeal: Lender is XXX per the Note, the initial loan application dateXX/XX/XXXX is located on DOCID 2756. TC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): There are Broker fees listed on the HUD that are paid to the same entity that appear on the Note. The actual Lender is XXX.; The Broker is XXX, evident to YSP being paid to XXX + Line 806. The initial 1003 for XXX is missing. Exception remains.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): located 1003 addendum | Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158537368 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158537369 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization only disclosed settlement charges in the amount of $XXX and final HUD reflects $XXX. <br> TIL Itemization disclosed Courier fee in the amount of $XXX and final HUD reflects only $XXX. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158537400 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158537607 | XXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX)XX/XX/XXXX25 Appeal. Subject is not a primary residence. Please see HUD1 and notice the borrower's address is not the subject address. The hazard policy is a fire policy as shown on the Agreement to provide insurance document. MC<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Occupancy cannot be determined from a HUD or Hazard policy address. Determination will be established from a 1003, Approval, AUS or 1008. |  |  | – B |
| XXXX |  |  | 3158537801 | XXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  | – B |
| XXXX |  |  | 3158537934 | XXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  | – B |
| XXXX |  |  | 3158538056 | XXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): 7.1.25 Appeal. Boarding Data Sheet at origination shows this is a refinance of Non Homestead Equity loan. This document is found in loan file under D0695, page 1179. Please review and rescind. rk<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): 7.1.25 In addition, see attached Affidavit of Non Homestead. rk<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Unable to determine occupancy as investment & 2nd residence are both non-homesteaded. |  |  | – B |
| XXXX |  |  | 3158538813 | XXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  | – B |
| XXXX |  |  | 3158538821 | XXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | – B |
| XXXX |  |  | 3158538834 | XXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance UTD |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): 7.1.25 Appeal. Affidavit of Non Homestead from borrower at origination states, "has never, does not now and does not ever intend to ever reside on property as his homestead". This document is found in loan file under D0481, page 5. Please review and recind. Rk<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, file is slim to determine occupancy at origination. Need documents from origination to support investment property type.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): 7.2.25 The Affidavit of Non Homestead is dated and signed at origination oXX/XX/XXXX. This customer's signature on this document provides his statement of non occupancy. Please review and rescind. rk<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The Statement of non occupancy does not specify occupancy type. That alone does not support investment as it could also be a 2nd residence. Exception remains.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): 7.3.25 The document does specify his occupancy. "Has never, does not now and does not ever intend to ever reside on property as his homestead". rk<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains. The Statement of non occupancy does not specify occupancy type. Unable to determine investment or 2nd residence at origination. |  |  | – B |
| XXXX |  |  | 3158539281 | XXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  | – B |
| XXXX |  |  | 3158539888 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure oXX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Missing: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Special Flood Hazard Disclosure Missing: Liability for violations cannot be transferred to a subsequent purchaser of a loan. |  | – B |
| XXXX |  |  | 3158539890 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): 6.30.25 Appeal. Please see attached Final 1003 along with addendums for the subject loan. Please review and rescind. Rk<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): The 1003 is not dated nor from the lender. Exception remains. |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.)<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance): Texas Constitution Section 50(a)(6): Points and fees on subject loan of 5.54035% is in excess of the allowable maximum of 3.0000% of the Original Principal Loan Amount. Points and Fees total $XXX on an Original Principal Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or 2.54035%.)<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization disclose Copy Fee of $XXX Tax Certificate fee of $XXX and Escrow fee of $XXX as prepaid finance charge. | BUYER - GENERAL COMMENT (XX/XX/XXXX): The $XXX Discount Points charge is excludable. Prior to Finance Commission of Texas v. Norwood, et al. (ACORN), No 100121 (TexXX/XX/XXXX), It was not concluded by the courts that lenders were required to include Discount Points In the 3 percent fee cap. Loan originated in 1999 therefore discount points are excludable.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Exception remains, Since the enactment of the Texas constitutional amendment in 1998, it has been a matter of debate whether "discount points" may be excluded from the TX50(a)(6) points and fees limitation. The Texas Supreme court issued an opinion oXX/XX/XXXX in Finance Commission of Texas v. Norwood prohibiting the treatment of discount points as "interest" and therefore, included in the TX 3% fee cap only to issue a Supplemental Opinion 7 months later to clarify that "Legitimate discount points to lower the loan interest rate, in effect, substitute for interest." Further, "true discount points are not fees "necessary to originate, evaluate, maintain, record, insure, or service" but are an option available to the borrower and thus not subject to the 3% cap."<br>The approach taken by SitusAMC, and confirmed by outside counsel, requires either an acknowledgement from borrower, evidence of undiscounted rate or other evidence to support that discount points charged are bona fide in order to exclude from the 3% points and fees testing.<br>While borrower acknowledgement or documentation is not required by regulation, as a TPR firm, without such documentation, we are not able to ascertain that the discount points reduce the interest rate and therefore qualifies for exclusion. The constitutional requirement that excludes charges that constitute "interest" has been the same since enactment, therefore, irrespective of when the loan was originated, only discount points that in fact result in a reduction of interest rate are considered interest and excludable. Without this evidence, the discount points would be considered origination fees.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Outside counsel previously indicated if an originator has a reasoned legal position as to why they determined that origination fees should be excluded from the 3% fee limitation based on prior case law and regulation to the Norwood decision, the Texas points and fees exception can be re-graded form EV3-C to EV2-B if Loan Origination Fee, Origination Points, or Loan Origination Points charged to the consumer are the only fees causing total points and fees to exceed the TX 3% points and fees threshold. Please see attached.<br> REVIEWER - GENERAL COMMENT (XX/XX/XXXX): Re-graded TX 50(a)(6) Points and Fees exception to an EV2-B based on Outside Counsel's feedback and the lender's rebuttal that the loan was made in accordance with existing case law at time of origination which provides that origination charges to lender constitutes "interest" and is therefore excluded from TX 3% points and fees. | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | – B |
| XXXX |  |  | 3158540045 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Notice Concerning Extensions of Credit Disclosure dated less than 12 days prior to closing, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | – B |
| XXXX |  |  | 3158540299 | XXX | $XXX | XX | XX/XX/XXXX | UTD | Refinance Cash-out - Other |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [1] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158540572 | XXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  | – B |
| XXXX |  |  | 3158540903 | XXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  | – B |
| XXXX |  |  | 3158541733 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541909 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained): This is a Secondary Market requirement by the GSEs and some investors. (This Endorsement provides coverage against certain Texas 50(a)(6) exceptions at closing.)<br>State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. |  | – B |
| XXXX |  |  | 3158541938 | XXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  | – B |
| XXXX |  |  | 3158542010 | XXX | $XXX | XX | XX/XX/XXXX | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing Test: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date oXX/XX/XXXX used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing.<br> [2] State Compliance - (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal).: No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed oXX/XX/XXXXX, prior to three (3) business days from transaction date oXX/XX/XXXX. |  | BUYER - GENERAL COMMENT (XX/XX/XXXX): Appeal Docs<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Appeal – See verification of Disbursement datXX/XX/XXXX.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Appeal – See verification of application datXX/XX/XXXX.<br> BUYER - GENERAL COMMENT (XX/XX/XXXX): Appeal – See verification of Disbursement datXX/XX/XXXX. | State Compliance - (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided): Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  | – B |
| XXXX |  |  | 3158542226 | XXX | $XXX | XX | XX/XX/XXXX | Investment | Refinance Cash-out - Debt Consolidation |  | 2 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  | – B |

---

![](ex99-01.jpg)

**Exception Ratings**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Alternate Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Unable To Clear Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX |  |  | 3158537431 | 33555270 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537431 | 33555271 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537431 | 33555274 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537431 | 33555275 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537431 | 33555419 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537431 | 33555420 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537431 | 33555422 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158537431 | 33555423 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158537431 | 33555424 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537431 | 33555426 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537431 | 33555427 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed oXX/XX/XXXXX, prior to three (3) business days from transaction date oXX/XX/XXXX. |  |  | Reviewer Comment (XX/XX/XXXX): Per the Transaction date/ Notary date on Security Instrument, loan closed oXX/XX/XXXX.<br>Buyer Comment (XX/XX/XXXX): Please see Note. The transaction date waXX/XX/XXXX. Per the Promise to Pay section, interest does not begin until the business day following the midnight expiration of the rescission periodXX/XX/XXXX. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537431 | 33555428 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Reviewer Comment (XX/XX/XXXX): Per the Transaction date/ Notary date on Security Instrument, loan closed oXX/XX/XXXX.<br>Buyer Comment (XX/XX/XXXX): The loan closed oXX/XX/XXXX, Right of Cancel response due date waXX/XX/XXXX at midnight, which was three business days after loan closed. The loan funded the next day. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537431 | 33581369 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date oXX/XX/XXXX used as disbursement date for compliance testing. |  |  | Buyer Comment (XX/XX/XXXX: Appeal. Please see screen print reflecting loan closeXX/XX/XXXX and fundeXX/XX/XXXX. LL<br>Reviewer Comment (XX/XX/XXXX): Both referenced docs are one in the same & neither list the Disbursement date.<br>Buyer Comment (XX/XX/XXXX: Appeal. Please see Clarity doc # D0360 and also attached reflecting date of disbursement request waXX/XX/XXXX. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537486 | 33555008 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537486 | 33555218 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537486 | 33555220 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158537486 | 33555221 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537486 | 33555223 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537486 | 33555232 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537543 | 33555379 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (XX/XX/XXXX): Tape data & property report indicate that reviewed loan is a 1st lien iao $XXX / XXX%. Referenced doc (page 517) indicates app date is for a 2nd lien iao $XXX / XXX%. Exception remains.<br>Buyer Comment (XX/XX/XXXX): Appeal. Please see page 517 XXXX showing the application date oXX/XX/XXXX- XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537543 | 33555381 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537543 | 33555384 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158537543 | 33555455 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158537543 | 33555801 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537543 | 33555835 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537543 | 33561877 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537571 | 33555732 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537571 | 33556204 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537571 | 33556205 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537571 | 33556207 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158537571 | 33556208 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158537571 | 33556210 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537571 | 33556212 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537586 | 33597911 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537586 | 33598418 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537586 | 33598419 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537586 | 33598421 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158537586 | 33598422 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158537586 | 33598423 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537586 | 33598425 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537586 | 33598437 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  | Reviewer Comment (XX/XX/XXXX): Closing date XX/XX/XXXX, Date of disclosure XX/XX/XXXX. Flood Ins Notice was not received prior to closing.<br>Buyer Comment (XX/XX/XXXX): Please review uploaded flood |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537586 | 33598444 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537632 | 33564765 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (XX/XX/XXXX): Promissory Note is a 1st lien loan, not a HELOC as there's no line of credit. Missing Final Loan Application from Origination.<br>Buyer Comment (XX/XX/XXXX): 6.24.25 Subject loan is a XXX HELOC and did not utilize a 1003. XXXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537632 | 33565197 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (XX/XX/XXXX): Promissory Note is a 1st lien loan, not a HELOC as there's no line of credit.<br>Buyer Comment (XX/XX/XXXX): 6.24.25 Subject loan is a XXX HELOC which did not require a GFE. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537632 | 33565697 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX): Referenced doc is often entered as a general property type which does not specify the actual type of property, ie: detached/attached/PUD, etc. Missing Appraisal from origination.<br>Buyer Comment (XX/XX/XXXX): 6.24.25 Please review the Property Report at page 25 doc# D0180 which specifies type as S and Boarding Data Sheet at page 23 doc#D979 collateral summary section which identifies the subject as a 1-4 family. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537632 | 33565699 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158537632 | 33565701 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158537632 | 33565703 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537658 | 33556454 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537658 | 33556455 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537658 | 33556551 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537658 | 33556564 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537658 | 33556624 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537658 | 33556627 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537658 | 33556629 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537658 | 33556632 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158537658 | 33561731 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537658 | 33590663 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158537735 | 33555867 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537735 | 33555959 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537735 | 33556296 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158537735 | 33556302 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Finance Charge Variance of $XXX is due to difference in lender's accepted payment stream as per final til and actual calculated payment stream. |  | Reviewer Comment (XX/XX/XXXX): Exception remains, Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan.<br>Buyer Comment (XX/XX/XXXX): 6/26-Appeal: Per the HUD-1, all closing costs reflect Lender Paid, please review and rescind. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537735 | 33556304 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  | Reviewer Comment (XX/XX/XXXX): Unable to use screenshot. There's no relevant (address, date, etc.) info to prove as previous lender. Exception remains.<br>Buyer Comment (XX/XX/XXXX): Additional support to show correct form used. Public Record showing prior HELOC originated by XXX and Deed of Trust.<br>Reviewer Comment (XX/XX/XXXX): The ROR type, itself, is not essentially in question, it's the inability to determine previous lender since the title is missing from the file.<br>Buyer Comment (XX/XX/XXXX): ROR, HUD-1, CBR<br>Buyer Comment (XX/XX/XXXX): According to the language in the ROR, the H9 Rescission Model Form is applicable. The HUD-1 document shows the payoff of the previous XXX HELOC (as indicated in the credit report), where there is an increase in the credit amount. The language emphasizes the new transaction rather than the rescission of the previous loan, highlighting that the right to cancel applies solely to the new credit. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537735 | 33556313 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537735 | 33590808 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158537769 | 33556866 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | Yes B |
| XXXX |  |  | 3158537769 | 33556868 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158537769 | 33556869 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537769 | 33556870 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537769 | 33556873 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537769 | 33786415 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158537770 | 33555472 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537770 | 33555473 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537770 | 33555541 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537770 | 33555542 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537770 | 33555544 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158537770 | 33555547 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537770 | 33555572 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537770 | 33555573 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537770 | 33591103 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158537810 | 33555681 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537810 | 33555822 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537810 | 33555825 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537810 | 33555880 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537810 | 33555881 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537810 | 33555883 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(a)(6) Acknowledgment of Fair Market Value and TX50(a)(6) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158537810 | 33555885 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537810 | 33591177 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158537838 | 33555740 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537838 | 33555743 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537838 | 33555827 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537838 | 33555828 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537838 | 33555830 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158537838 | 33555832 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537838 | 33584666 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158537838 | 33584667 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL Itemization did not disclose $XXX Origination Fee and $XXX Flood Cert as prepaid finance charges. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537858 | 33555599 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537858 | 33555840 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537858 | 33555845 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537858 | 33555846 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537858 | 33555848 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158537858 | 33555849 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158537858 | 33555850 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537872 | 33555617 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537872 | 33555794 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537872 | 33555814 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537872 | 33555815 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX): Doc type can only come from origination documentation, not post closing. Missing Appraisal from origination.<br>Buyer Comment (XX/XX/XXXX: Appeal. Please see Clarity Doc # XXXX reflecting subject property is single family detached. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537872 | 33555817 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158537872 | 33555819 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158537872 | 33555821 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537873 | 33598469 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | UTD - UTD | C |  |  | No B |
| XXXX |  |  | 3158537873 | 33598493 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX): Attached screenshot does not show property type.<br>Buyer Comment (XX/XX/XXXX): 6.20.25 Appeal. Please see attached system screen print showing the property type at origination. Please review and rescind. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | B |  |  | No B |
| XXXX |  |  | 3158537873 | 33598495 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Notice Concerning Extensions of Credit Disclosure dated less than 12 days prior to closing, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537873 | 33598498 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | UTD - UTD | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158537903 | 33555862 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537903 | 33556026 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537903 | 33556027 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537903 | 33556029 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158537903 | 33556031 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537903 | 33556033 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537903 | 33556038 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537903 | 33556039 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537903 | 33585131 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158537907 | 33556895 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158537907 | 33557145 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537907 | 33557220 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537907 | 33557221 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158537907 | 33557223 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158537907 | 33557225 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537907 | 33557226 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158537907 | 33585254 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158537909 | 33555872 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158537909 | 33555945 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537909 | 33555953 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537909 | 33555954 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537909 | 33555956 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | A |  |  | No B |
| XXXX |  |  | 3158537909 | 33555957 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158537909 | 33555958 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537922 | 33549958 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537922 | 33549966 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537922 | 33554132 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537922 | 33554134 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158537922 | 33554144 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537922 | 33562628 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537922 | 33585494 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158537936 | 33532702 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537936 | 33532703 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537936 | 33532822 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537936 | 33533587 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537936 | 33533588 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537936 | 33533590 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158537936 | 33533591 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158537936 | 33533592 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537936 | 33533594 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538049 | 33556179 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538049 | 33556189 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538049 | 33556191 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX): Referenced doc is often entered as a general property type which does not specify the actual type of property, ie: detached/attached/PUD, etc. Missing Appraisal from origination.<br>Buyer Comment (XX/XX/XXXX): 6.20.25 Appeal. Please see XXXX, page 57 for Home Equity Application which specifies to property type as SFR. Please review and rescind. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538049 | 33556194 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538049 | 33556196 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538049 | 33586279 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538058 | 33532521 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538058 | 33532734 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538058 | 33532735 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538058 | 33532737 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158538058 | 33532738 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538058 | 33532739 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538058 | 33532748 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538060 | 33556908 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  | Reviewer Comment (XX/XX/XXXX): The origination fee on the HELOC agreement is $XXX and matches the fee amount on the HUD. The Appraisal fee of $XXX (POC), Admin fee of $XXX (POC) and Flood cert fee of $XXX (POC) on the HUD are not included on the HELOC agreement therefore they do differ.<br>Buyer Comment (XX/XX/XXXX): THE HELOC and the HUD both show borrower paid loan orig. fee $XXX please advise.gs.<br>Buyer Comment (XX/XX/XXXX): 6.25.25 Please clarify what fees you are referring to, additional information is requested. thank you . |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538060 | 33556909 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538060 | 33556912 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538060 | 33556914 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158538092 | 33549497 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538092 | 33554208 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538092 | 33554319 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  | Reviewer Comment (XX/XX/XXXX): The HUD cannot be used to determine previous lender as it does not differentiate if 'Lender' listed on the HUD is actual lender or servicer. This info should come from the Prelim Title. Exception remains.<br>Buyer Comment (XX/XX/XXXX): HUD-1, ROR<br>Buyer Comment (XX/XX/XXXX): The HUD-1 indicates the payoff of a prior 1st and 2nd mortgage with XXX (same lender refinance). The ROR indicates the borrower is entering into a new transaction to increase the amount of credit previously provided. Based on the language in the ROR, the correct form (H9) was utilized. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158538092 | 33601271 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538094 | 33549657 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538094 | 33549785 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538094 | 33549916 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538094 | 33549917 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538094 | 33549925 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538094 | 33556365 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538094 | 33563542 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538110 | 33550084 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538110 | 33550090 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538110 | 33550977 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538110 | 33550978 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538110 | 33550980 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538110 | 33550988 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538110 | 33589373 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538134 | 33550043 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538134 | 33552218 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538134 | 33552219 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538134 | 33552224 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538134 | 33552226 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538134 | 33552228 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538134 | 33589592 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538134 | 33725747 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538205 | 33549793 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538205 | 33550063 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538205 | 33556697 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538205 | 33556698 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538205 | 33556701 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538205 | 33556702 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538205 | 33556704 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538205 | 33556707 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Buyer Comment (XX/XX/XXXX): title<br>Buyer Comment (XX/XX/XXXX): 7/8-Appeal: Attached please find origination title search which confirms lien paid off with XXX/XXX. Pls rescind. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538220 | 33549644 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538220 | 33550059 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538220 | 33550285 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538220 | 33550286 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538220 | 33550288 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538220 | 33550289 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538220 | 33550294 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538235 | 33550029 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538235 | 33554773 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538235 | 33554948 | XX/XX/XXXX | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538235 | 33557565 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538235 | 33557566 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538235 | 33557568 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158538235 | 33557570 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538235 | 33557622 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Notice of Special Flood Hazard Disclosure is missing |  | Reviewer Comment (XX/XX/XXXX): Note Date XX/XX/XXXX, Flood Notice XX/XX/XXXX. Disclosure not given prior to closing.<br>Buyer Comment (XX/XX/XXXX Appeal - Please see the attached Notice of Flood provided to the borrower oXX/XX/XXXX. CG |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538235 | 33557623 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | Texas Home Loan (Insurance Notice to Applicant Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Application date is missing in file |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538235 | 33589790 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538296 | 33554155 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538296 | 33554721 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538296 | 33554874 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538296 | 33554875 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538296 | 33554878 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538296 | 33554879 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538296 | 33554881 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538296 | 33562979 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158538301 | 33550041 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538301 | 33550682 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538301 | 33550688 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538301 | 33554564 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538301 | 33554566 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538301 | 33554570 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538301 | 33554574 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538301 | 33590193 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538301 | 33724671 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158538323 | 33550080 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538323 | 33550081 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538323 | 33552873 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538323 | 33552882 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538323 | 33553678 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538323 | 33553679 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538323 | 33553680 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538323 | 33553682 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538323 | 33553683 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538323 | 33553685 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538323 | 33553688 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538337 | 33556383 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538337 | 33556439 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains. Missing Final Title from Origination.<br>Buyer Comment (XX/XX/XXXX): Title |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538337 | 33556488 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL Itemization did not disclose recording service fees totaling $XXX as pre paid finance charges. |  | Reviewer Comment (XX/XX/XXXX): Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the recording service fees.<br>Buyer Comment (XX/XX/XXXX: Appeal. Please see Clarity doc #0679 - Itemization of amount financed listed all the ppfc. LAS reflect discrepancies of $XXX & $XXX in recording fees. Both are not ppfc. Itemization of amount financed reflects the $XXX recording fee was paid by lender. The $XXX recording fee was paid by borrower's own funds. Finance charge was re-calculated and yielded an FC accurate result. LL |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158538337 | 33556490 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158538337 | 33563022 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538350 | 33550062 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538350 | 33552212 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538350 | 33552213 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538350 | 33552759 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538350 | 33552762 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538350 | 33590438 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538350 | 33888313 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158538386 | 33533717 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538386 | 33533818 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538386 | 33533910 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538386 | 33533911 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538386 | 33533913 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158538386 | 33533914 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538386 | 33533915 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538386 | 33533918 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL itemization did not disclose an CLO Fee $XXX and Flood LOL $XXX as prepaid finance charge. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158538405 | 33555961 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538405 | 33556045 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538405 | 33556047 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538405 | 33556050 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158538405 | 33556057 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538405 | 33556101 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538405 | 33556134 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538405 | 33563281 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538448 | 33556164 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538448 | 33556381 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538448 | 33556596 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538448 | 33556597 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538448 | 33556600 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158538448 | 33563609 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538448 | 33590592 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538531 | 33556241 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538531 | 33556315 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538531 | 33556359 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538531 | 33556360 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538531 | 33556362 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538531 | 33556364 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538531 | 33590675 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538538 | 33556256 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538538 | 33556258 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538538 | 33556324 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538538 | 33556325 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538538 | 33556327 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158538538 | 33556328 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538538 | 33556330 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538552 | 33556140 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538552 | 33556141 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538552 | 33556318 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538552 | 33556319 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538552 | 33556388 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538552 | 33556389 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538552 | 33556391 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538552 | 33556393 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538552 | 33556395 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538552 | 33556396 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL Itemization did not disclose $XXX Flood Cert Fee, $XXX CLO Fee and $XXX Recording Service Fee as prepaid finance charges. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158538552 | 33564050 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538579 | 33556285 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538579 | 33556448 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538579 | 33556553 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538579 | 33556554 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538579 | 33556556 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | A |  |  | No B |
| XXXX |  |  | 3158538579 | 33556559 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538579 | 33590828 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538665 | 33556720 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | Yes B |
| XXXX |  |  | 3158538665 | 33556722 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538665 | 33556724 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538665 | 33556726 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538665 | 33556732 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158538665 | 33563843 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Notice Concerning Extensions of Credit Disclosure dated less than 12 days prior to closing, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538712 | 33556517 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538712 | 33556522 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538712 | 33556540 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538712 | 33556545 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538712 | 33556577 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538712 | 33556578 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538712 | 33556580 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538712 | 33556581 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538712 | 33556583 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538712 | 33556585 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538732 | 33554448 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538732 | 33555160 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538732 | 33555195 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538732 | 33555198 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538732 | 33555199 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538732 | 33555202 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538733 | 33550055 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538733 | 33552782 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538733 | 33553596 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538733 | 33553598 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538733 | 33553607 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538733 | 33563805 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538733 | 33591324 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538735 | 33532355 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538735 | 33534130 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538735 | 33534131 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538735 | 33534133 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538735 | 33534135 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538735 | 33534137 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538735 | 33534140 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158538735 | 33534151 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538762 | 33550088 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538762 | 33554483 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538762 | 33554652 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538762 | 33554654 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538762 | 33564115 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538762 | 33564116 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538762 | 33564117 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538784 | 33551400 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538784 | 33551661 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538784 | 33553525 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX): Referenced doc is often entered as a general property type and does not specify the actual type of property, ie: detached/attached/PUD, etc. Missing Appraisal from origination.<br>Buyer Comment (XX/XX/XXXX: Appeal. Please see Clarity doc # 0961 reflecting property type is a single family dwelling. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538784 | 33553529 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538784 | 33553640 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538789 | 33554100 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538789 | 33554148 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538789 | 33554157 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538789 | 33554504 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538789 | 33554506 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538789 | 33554508 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538789 | 33554509 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538789 | 33554510 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL Itemization did not disclose $XXX Flood Cert, $XXX Settlement Fee, $XXX Courier Fee and $XXX Tax Cert Fee as prepaid finance charges. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158538836 | 33553535 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538836 | 33553537 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538836 | 33554454 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538836 | 33554455 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538836 | 33554459 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | Texas 50(a)(6) Security Instrument Provided on a TX Non-Home Equity Loan | Texas Home Equity 50(a)(6) Security Instrument provided on a transaction determined not to be eligible for Texas Equity 50(a)(6). Potential contractual issue |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538836 | 33554460 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Buyer Comment (XX/XX/XXXX)XX/XX/XXXX25 Appeal. Subject is a Not Same Lender transaction and the proper H8 form was utilized. Please note, the XXX, XXX merger did not occur untiXX/XX/XXXX. The subject transaction is dated just prior oXX/XX/XXXX. The prior mortgage was originated by XXX. The loan was acquired by XXX and serviced under XXX Loan# XXX as shown on the HUD1 and Boarding sheet disbursements. The Note and DOT of that prior loan are still located in our Image system and attached for your review. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538836 | 33554472 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158538836 | 33554474 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158538880 | 33552806 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538880 | 33553887 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538880 | 33555556 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538880 | 33555557 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538880 | 33555559 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538880 | 33555560 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538880 | 33555563 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538880 | 33555565 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Buyer Comment (XX/XX/XXXX): Please disregaXX/XX/XXXX appeal. XXXX<br>Buyer Comment (XX/XX/XXXX: Appeal. Please see Clarity doc # XXXX Title search at origination, reflecting XXX is the current lender being refinanced with XXX, same lender refinance. Property is in OH, 6th Circuit Court. ROR form used was H8 which have held that the use of an H8 form in a same-lender refinance is acceptable notice to the borrower of their rescission rights. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538898 | 33554856 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $XXX is underdisclosed from HUD Finance Charge of $XXX in the amount of $XXX. |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains, flood not disclosed on HELOC agreement.<br>Buyer Comment (XX/XX/XXXX APPEAL, The under disclosed amount of $XXX is below the tolerance threshold of $XXX for refinances. /XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower of the error and providing correct information, Proof of Delivery, Refund check for under-disclosed amount, and Re-open Rescission if applicable. B |  |  | Yes B |
| XXXX |  |  | 3158538898 | 33554857 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains. No additional documentation was provided. This exception is not for finance charge violation.<br>Buyer Comment (XX/XX/XXXX: Appeal. Per LAS and HUD-1, the only prepaid finance charge is the Flood cert for $XXX, and is within the $XXX tolerance. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538898 | 33554858 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538898 | 33554859 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538898 | 33554863 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538898 | 33554864 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158538919 | 33554919 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538919 | 33555297 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538919 | 33555314 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538919 | 33555316 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538919 | 33555318 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538919 | 33555321 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538919 | 33564319 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538969 | 33554495 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538969 | 33555181 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538969 | 33555183 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538969 | 33555263 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Buyer Comment (XX/XX/XXXX): Appeal – See Application date also See HUD, lender is the settlement agent. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538969 | 33555264 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538969 | 33555266 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538969 | 33555268 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538969 | 33593093 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538969 | 33593094 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158538971 | 33554469 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains, However, without a breakdown of the lender's APR and FC calculation, we cannot be sure of the reason for the variance.<br>Buyer Comment (XX/XX/XXXX APPEAL, Please provided calculation details used to arrive at the re-calculated finance charge. /XXXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158538971 | 33554783 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538971 | 33554784 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX): Referenced doc is often entered as general property types and do not specify the actual type of property, ie: detached/attached/PUD, etc. Missing Appraisal from origination.<br>Buyer Comment (XX/XX/XXXX): Appeal, Please see document showing property type of Single family, found in Acuity page 17 DXXXX. - XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538971 | 33554787 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158538971 | 33554790 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538971 | 33554793 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158538971 | 33593160 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538981 | 33554482 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (XX/XX/XXXX): Promissory Note is not a line of credit. Exception remains. Missing Final Loan Application from Origination.<br>Buyer Comment (XX/XX/XXXX): 6.17.25 Subject loan closed as a HELOC. HELOC loans generally do not utilize 1003 applications which are required for mortgage loans. XXXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538981 | 33554795 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  | Reviewer Comment (XX/XX/XXXX): Promissory Note is not a line of credit, it is a loan. Exception remains.<br>Buyer Comment (XX/XX/XXXX): 6.17.25 Home Equity Lines of Credit (HELOCS) are generally exempt from RESPA. RESPA applies to federally related mortgage loans, refinances, property improvement loans, assumptions and equity lines of credit secured by residential real estate. However, HELOCS are not subject to the same requirements as traditional mortgage loans. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538981 | 33554837 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538981 | 33554838 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX): The label "1-4 family" represents more than one type of residence. We cannot assume one type over another as "S" is too general of a term. Details would be determined from the Appraisal which is missing from origination. Exception remains.<br>Buyer Comment (XX/XX/XXXX): 6.25.25 Please re-review document at page 748 doc#D0752 which is the XXX Property Report referenced on the HUD. The charge was $XXX and a fee for a full appraisal. Property Type is shown as S which does match Boarding data sheet as a 1-4 family. XXXX<br>Reviewer Comment (XX/XX/XXXX): Referenced docs are often entered as general property types and do not specify the actual type of property, ie: detached/attached/PUD, etc. Missing Appraisal from origination.<br>Buyer Comment (XX/XX/XXXX): 6.17.25 Please review page 1006 doc id#XXXX Boarding Data Sheet-Collateral Summary which reports the subject as 1-4 Family with a value of $XXX and page 748 doc id# XXXXX which is the XXX Property Report completed on 5.18.2006 which reports the subject as "Property Type S". Final HUD1 at line 803 Appraisal reports $XXX fee for Appraisal to XXX. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538981 | 33554840 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538981 | 33554842 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538981 | 33554845 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158538981 | 33593342 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158538984 | 33554536 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538984 | 33554718 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538984 | 33554749 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538984 | 33554750 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538984 | 33554752 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158538984 | 33554754 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158538984 | 33593490 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539000 | 33532682 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539000 | 33532813 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158539000 | 33532815 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539000 | 33532816 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Notice Concerning Extensions of Credit Disclosure dated less than 12 days prior to closing, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539000 | 33532818 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539000 | 33532830 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539000 | 33542061 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539023 | 33554629 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539023 | 33554634 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539023 | 33554635 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539023 | 33555745 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539023 | 33555756 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539023 | 33555757 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539023 | 33555759 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158539023 | 33555760 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539023 | 33555762 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539023 | 33555764 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539030 | 33556529 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539030 | 33556544 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539030 | 33557089 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539030 | 33557090 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539030 | 33557092 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158539030 | 33557093 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539030 | 33557094 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539078 | 33554690 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539078 | 33554735 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539078 | 33554804 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539078 | 33554805 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539078 | 33554807 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158539078 | 33554811 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539078 | 33594037 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539096 | 33554670 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539096 | 33554801 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539096 | 33554980 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539096 | 33554981 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539096 | 33554985 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539096 | 33564427 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158539096 | 33594084 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539146 | 33555007 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (XX/XX/XXXX): This HELOC is a 1st position lien - Final Title is required.<br>Buyer Comment (XX/XX/XXXX25 - Appeal. Final Title policy not required for 2nd lien.-XXXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539146 | 33555020 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains. A Flood Mapping Data screenshot is not a Flood Cert.<br>Buyer Comment (XX/XX/XXXX): flood zone<br>Buyer Comment (XX/XX/XXXX25 - Appeal. Please see MSP FHST screenshot for flood zone.-XXXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539146 | 33555038 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category. |  |  | Reviewer Comment (XX/XX/XXXX): Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the flood fee, and recording fees<br>Buyer Comment (XX/XX/XXXX: Appeal. Reviewed LAS. The only ppfc charge is a flood cert for $XXX which was paid by lender. In any event, $XXX underdisclosed ppfc is below the $XXX tolerance allowed. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | Yes B |
| XXXX |  |  | 3158539146 | 33555040 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  | Reviewer Comment (XX/XX/XXXX): Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the flood fee, and recording fees<br>Buyer Comment (XX/XX/XXXX: Appeal. Reviewed LAS. The only ppfc charge is a flood cert for $XXX which was paid by lender. In any event, $XXX underdisclosed ppfc is below the $XXX tolerance allowed. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158539146 | 33555044 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539146 | 33555045 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539146 | 33555047 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539146 | 33555050 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158539209 | 33555251 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539209 | 33555442 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539209 | 33555480 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539209 | 33555481 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539209 | 33555483 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158539209 | 33555485 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539209 | 33604698 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539212 | 33532420 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539212 | 33532489 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539212 | 33532605 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539212 | 33532946 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539279 | 33556738 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539279 | 33556962 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539279 | 33557049 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539279 | 33557050 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539279 | 33557052 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158539279 | 33557054 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539279 | 33604842 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539298 | 33557155 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539298 | 33557170 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539298 | 33557174 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539298 | 33557176 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158539298 | 33564562 | XX/XX/XXXX | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539298 | 33564621 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| XXXX |  |  | 3158539298 | 33564633 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158539315 | 33557146 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (XX/XX/XXXX): Flood Cert referenced is not from the time of origination. Exception remains.<br>Buyer Comment (XX/XX/XXXX25 - Appeal. Please see DXXXX document ID in Clarity for flood certificate.-XXXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539315 | 33557147 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539315 | 33557301 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539315 | 33557304 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539315 | 33557316 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539315 | 33557317 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539315 | 33557319 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158539315 | 33557321 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539315 | 33557323 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539339 | 33532454 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539339 | 33532455 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539339 | 33532841 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539339 | 33532862 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539339 | 33532863 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539339 | 33532865 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158539339 | 33532866 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539339 | 33532867 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539339 | 33533310 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539397 | 33555055 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539397 | 33555244 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539397 | 33555245 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539397 | 33555247 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158539397 | 33555249 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539397 | 33555259 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539397 | 33605243 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539412 | 33556880 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539412 | 33556993 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539412 | 33557025 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539412 | 33557026 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539412 | 33557028 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158539412 | 33557030 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539412 | 33605250 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539446 | 33555204 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539446 | 33555283 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539446 | 33555361 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539446 | 33555362 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539446 | 33555364 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158539446 | 33555366 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539446 | 33605327 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539501 | 33532884 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539501 | 33532891 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539501 | 33532892 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539501 | 33533941 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539501 | 33533942 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539501 | 33533944 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158539501 | 33533945 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539501 | 33533946 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539531 | 33555226 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539531 | 33555505 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539531 | 33555512 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539531 | 33555513 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539531 | 33555515 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158539531 | 33555518 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539531 | 33605729 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539555 | 33557288 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | Yes B |
| XXXX |  |  | 3158539555 | 33557289 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement Finance Charge of $XXX is underdisclosed from HUD Finance Charge of $XXX in the amount of $XXX. |  |  | Buyer Comment (XX/XX/XXXX)XX/XX/XXXX - Please see page 2 of the attached Owner Acknowledgment document which states "I have not paid any fees or charges in connection with this extension of credit that are not shown on the HUD-1 or HUD1 A Settlement Statement." This statement was initialed by the borrower and the document was signed by the borrower. Please review and rescind. XXXX<br>Reviewer Comment (XX/XX/XXXX): Exception remains, Fees disclosed on HUD were not reflected on HELOC.<br>Buyer Comment (XX/XX/XXXX): 6.30.25 Appeal. The flood life of loan in the amount of $XXX was not paid by the borrower according to executed Disbursement Request & Authorization form located in the loan under DXXX, page 922. Please review and rescind. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower of the error and providing correct information, Proof of Delivery, Refund check for under-disclosed amount, and Re-open Rescission if applicable. B |  |  | Yes B |
| XXXX |  |  | 3158539555 | 33557290 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  | Buyer Comment (XX/XX/XXXX)XX/XX/XXXX - Please see page 2 of the attached Owner Acknowledgment document which states "I have not paid any fees or charges in connection with this extension of credit that are not shown on the HUD-1 or HUD1 A Settlement Statement." This statement was initialed by the borrower and the document was signed by the borrower. Please review and rescind. LM<br>Reviewer Comment (XX/XX/XXXX): Exception remains, Fees disclosed on HUD were not reflected on HELOC.<br>Buyer Comment (XX/XX/XXXX): 6.30.25 Appeal. The flood life of loan in the amount of $XXX was not paid by the borrower according to executed Disbursement Request & Authorization form located in the loan under DXXXX, page 922. Please review and rescind. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158539555 | 33557291 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539555 | 33557292 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539555 | 33557295 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539555 | 33557297 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158539588 | 33563925 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539588 | 33564110 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539588 | 33569443 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539588 | 33569444 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539588 | 33569446 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158539588 | 33569448 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539588 | 33621614 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539599 | 33557153 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539599 | 33557327 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539599 | 33557352 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539599 | 33557354 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539599 | 33557356 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158539599 | 33557358 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539599 | 33557361 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains. The rescission rule under Note allow the consumer to exercise their right to rescind until midnight of the third business day following the last occurrence of the following events: 1. The date of the transaction; 2. Delivery of the rescission notice; and 3. Delivery of all material disclosures. Under #1 above, this would represent the date the loan closed. While this would normally be evidenced by the signature on the Note, the Note does not indicate which date the document was signed; however, the Security Instrument does evidenced by the notary jurat.<br>Buyer Comment (XX/XX/XXXX): Note datXX/XX/XXXX and disbursement checks dateXX/XX/XXXX - 3 business days<br>Reviewer Comment (XX/XX/XXXX): Exception remains, Notary datXX/XX/XXXX<br>Buyer Comment (XX/XX/XXXX): confirming disbursement |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158539599 | 33605983 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539642 | 33557843 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX): Referenced doc is often entered as a general property type which does not specify the actual type of property, ie: detached/attached/PUD, etc. Missing Appraisal from origination.<br>Buyer Comment (XX/XX/XXXX: Appeal. Please see trailing doc uploaded XX/XX/XXXX25 page 472/473. Clarity doc # XXXX Drive report page 2 with XXX as lender reflecting property type is single family residence. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539642 | 33557849 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539642 | 33557850 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158539642 | 33732594 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539642 | 33733087 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  | Buyer Comment (XX/XX/XXXX): Appeal: Agree that the SAFE Mortgage Licensing Act was in effect in 2008. Disagree that the specific requirement to include the NMLS information on the application applied to HELOC's.<br>Reviewer Comment (XX/XX/XXXX): Exception remains. The Secure and Fair Enforcement for Mortgage Licensing Act was in effect 2008 and is not affected by loan type.<br>Buyer Comment (XX/XX/XXXX Appeal - The requirement does not apply to HELOC's and was effective after the origination date of the subject loan. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) B |  |  | Yes B |
| XXXX |  |  | 3158539650 | 33556432 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539650 | 33557242 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539650 | 33557245 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539650 | 33557435 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539650 | 33568095 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539650 | 33606144 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539650 | 33834576 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158539657 | 33556927 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category. |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains. Fees disclosed on HUD were not disclosed on HELOC agreement.<br>Buyer Comment (XX/XX/XXXX: Appeal. Per LAS & HUD, the only prepaid finance charge is the $XXX for Flood cert fee; this is within the $XXX tolerance. Re-calculated ppfc and yielded fc accurate result. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | Yes B |
| XXXX |  |  | 3158539657 | 33556929 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains. Fees disclosed on HUD were not disclosed on HELOC agreement.<br>Buyer Comment (XX/XX/XXXX: Appeal. Per LAS & HUD, the only prepaid finance charge is the $XXX for Flood cert fee; this is within the $XXX tolerance. Re-calculated ppfc and yielded fc accurate result. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158539657 | 33556930 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (XX/XX/XXXX): Per process for alt source for application date, document must state "Application Date" and have lender name to be used.<br>Buyer Comment (XX/XX/XXXX APPEAL, Providing evidence of application date. /XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539657 | 33556932 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX): Referenced doc is too general and does not specify the actual type of property, ie: detached/attached/PUD, etc. Details would be determined from the Appraisal which is missing from origination. Exception remains.<br>Buyer Comment (XX/XX/XXXX APPEAL, Providing evidence subject is a SFR. /XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539657 | 33556936 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539657 | 33808400 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158539681 | 33557367 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539681 | 33557484 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539681 | 33557485 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539681 | 33557525 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539681 | 33557526 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539681 | 33557528 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158539681 | 33557529 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539681 | 33557530 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Notice Concerning Extensions of Credit Disclosure dated less than 12 days prior to closing, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539681 | 33557531 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Reviewer Comment (XX/XX/XXXX): The lien release screenshot does not specify enough information to determine it was the loan for the subject property. Additionally, there's 336 lines of info in search criteria but only 1 page supplied to AMC for review.<br>Buyer Comment (XX/XX/XXXX): release<br>Buyer Comment (XX/XX/XXXX): 7/5-Appeal: Attached please find evidence of XXX county recorders office showing release of American Mortgage Co Lien paid off by subject transaction. XXXX<br>Reviewer Comment (XX/XX/XXXX): Previous lender is determined from title, not the HUD. There's no way to determine Lender vs Servicer utilizing the HUD. Exception remains.<br>Buyer Comment (XX/XX/XXXX): 7/3-Appeal: Final Hud-1 and disbursement documentation on subject transaction reflects loan being paid off is with XXX and the correct H8(different lender)form was used. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539681 | 33557533 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158539713 | 33556838 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539713 | 33556840 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (XX/XX/XXXX): Referenced docs are not a Flood Certification. Exception remains.<br>Buyer Comment (XX/XX/XXXX APPEAL, Please see Collateral Summary section of the Boarding Data Sheet and Flood insurance section of the Disbursement Request and Authorization for Flood information. Flood insurance was not required. /XXXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539713 | 33556923 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539713 | 33556925 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539713 | 33557006 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  | Reviewer Comment (XX/XX/XXXX): Referenced docs do not identify the Flood Zone. Exception remains.<br>Buyer Comment (XX/XX/XXXX APPEAL, Please see Collateral Summary section of the Boarding Data Sheet and Flood insurance section of the Disbursement Request and Authorization for Flood information. Flood insurance was not required. /XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539713 | 33557007 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539713 | 33557008 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539713 | 33557010 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158539713 | 33557011 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539713 | 33557012 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539713 | 33557014 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Buyer Comment (XX/XX/XXXX)XX/XX/XXXX25 Appeal: Please see the attached post origination Title Search which confirms the original lender was different from the subject loan lender. The H-8 form is for a refinance with a different lender. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539739 | 33556782 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539739 | 33557194 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539739 | 33557195 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539739 | 33557203 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539739 | 33557217 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539739 | 33567095 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158539739 | 33617914 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539832 | 33556844 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539832 | 33557083 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539832 | 33557123 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539832 | 33557124 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539832 | 33557129 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539832 | 33568710 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158539832 | 33606873 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539836 | 33556990 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539836 | 33557074 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539836 | 33557079 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539836 | 33606900 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539976 | 33557395 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539976 | 33557479 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539976 | 33557497 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539976 | 33557498 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539976 | 33557500 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158539976 | 33557502 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539976 | 33568084 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540003 | 33532743 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540003 | 33533185 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540003 | 33533216 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540003 | 33533217 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540003 | 33533219 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158540003 | 33533221 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540003 | 33533222 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540014 | 33557101 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540014 | 33557102 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540014 | 33557106 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540014 | 33557107 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158540042 | 33598528 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category. |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains, under disclosure of difference between HELOC agreement and HUD<br>Buyer Comment (XX/XX/XXXX: Appeal. Re-calculated ppfc and yielded an fc accurate result. The only ppfc item is the $XXX Flood cert fee which the borrower did not pay – see Disbursement Request and Authorization in Clarity doc # XXXX. Additionally, the tolerance for refi is $XXX.XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | Yes B |
| XXXX |  |  | 3158540042 | 33598530 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains, under disclosure of difference between HELOC agreement and HUD.<br>Buyer Comment (XX/XX/XXXX: Appeal. Re-calculated ppfc and yielded an fc accurate result. The only ppfc item is the $XXX Flood cert fee which the borrower did not pay – see Disbursement Request and Authorization in Clarity doc # XXXX, no charges. Additionally, the tolerance for refi is $XXX.XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | A |  |  | No B |
| XXXX |  |  | 3158540042 | 33598532 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540042 | 33598533 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540042 | 33598537 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540042 | 33598538 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158540058 | 33557537 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540058 | 33557637 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540058 | 33557638 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540058 | 33557640 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540058 | 33557642 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540058 | 33557644 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | ProvidXX/XX/XXXX07. ClosiXX/XX/XXXX07. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540058 | 33557650 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540058 | 33607282 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540081 | 33557547 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540081 | 33557549 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540081 | 33557779 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540081 | 33557780 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540081 | 33557782 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | A |  |  | No B |
| XXXX |  |  | 3158540081 | 33557783 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540081 | 33557784 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540081 | 33557786 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Buyer Comment (XX/XX/XXXX): XXX was not the Lender as the payoff request was received from XXX. (See attached)<br>Buyer Comment (XX/XX/XXXX): XXXX was not the Lender or the servicer as the pay off request was received from XXXX. (See attached)<br>Reviewer Comment (XX/XX/XXXX): Previous lender is determined from title, not the HUD. There's no way to determine Lender vs Servicer utilizing the HUD. Exception remains.<br>Buyer Comment (XX/XX/XXXX): The HUD-1 indicates the payoff of a XXX mortgage (not the same lender). The ROR does not indicate the borrower is entering into a new transaction to increase the amount of credit previously provided. Based on the absent of this language in the ROR, the correct form (H8) was utilized |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540081 | 33557787 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL itemization did not disclose CLO Fee of $XXX and Flood Cert Fee of $XXX.5 as prepaid finance charges. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158540081 | 33557793 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540081 | 33557794 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540092 | 33533043 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540092 | 33533362 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540092 | 33533364 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158540092 | 33533365 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540092 | 33533366 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540092 | 33533368 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing Itemization of Amount Financed |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158540092 | 33533369 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed oXX/XX/XXXXX, prior to three (3) business days from transaction date oXX/XX/XXXX. |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains, Loan closed XX/XX as per Notary date and RTC eligible disbursement date iXX/XX/XXXX.<br>Buyer Comment (XX/XX/XXXX): Appeal - Saturday is a business day for the lender, ROR dateXX/XX/XXXX tXX/XX/XXXX rescission compliant with funding date oXX/XX/XXXX.<br>Reviewer Comment (XX/XX/XXXX): Unable to clear. Prior trailing document provided, see D77, provided the funding date oXX/XX/XXXX.<br>Buyer Comment (XX/XX/XXXX): Appeal – See Notary Acknowledgment. This instrument was Acknowledged before me on. The borrower executed HUD and ROR are dated as of the transaction datXX/XX/XXXX with the Disbursement date oXX/XX/XXXX. A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the dates are made clear by the date the borrower(s) received two copies of the notice explaining your right to rescind, HUD and Note |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540092 | 33533370 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains, Loan closed XX/XX as per Notary date and RTC eligible disbursement date iXX/XX/XXXX.<br>Buyer Comment (XX/XX/XXXX): Appeal - Saturday is a business day for the lender, ROR dateXX/XX/XXXX tXX/XX/XXXX rescission compliant with funding date oXX/XX/XXXX. Please review and clear both the ROR and the Rescission exceptions as the Rescission exception is locked out but not cleared.<br>Reviewer Comment (XX/XX/XXXX): The RTC expiration date is dated prior to Disbursement date. Per Funding date on trailing docs XX/XX/XXXX while RTC cancel date, printed on RTC XX/XX/XXXX.<br>Buyer Comment (XX/XX/XXXX): Appeal – See Notary Acknowledgment. This instrument was Acknowledged before me on. The borrower executed HUD and ROR are dated as of the transaction datXX/XX/XXXX with the Disbursement date oXX/XX/XXXX. A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the dates are made clear by the date the borrower(s) received two copies of the notice explaining your right to rescind, HUD and Note |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540092 | 33533379 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540092 | 33533381 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540092 | 33544651 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540118 | 33564505 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | Yes B |
| XXXX |  |  | 3158540118 | 33564507 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540118 | 33564508 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540118 | 33564509 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540118 | 33564512 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540118 | 33564513 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158540128 | 33557874 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540128 | 33557875 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540128 | 33557876 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540128 | 33557878 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158540128 | 33557879 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540128 | 33557880 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Notice Concerning Extensions of Credit Disclosure dated less than 12 days prior to closing, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540128 | 33557882 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed oXX/XX/XXXXX, prior to three (3) business days from transaction date oXX/XX/XXXX. |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains. Notary date on the Security Instrument is XX/XX and the transaction date. Three business days after that date XX/XX, XX/XX, XX/XX (Saturday) makes the loan eligible for disbursement on the Monday the XXX. Evidence of disbursement on the XXX is prior to the three business days.<br>Buyer Comment (XX/XX/XXXX): Please see Note. Per the Promise to Pay section, interest does not begin until the business day following the midnight expiration of the rescission periXX/XX/XXXX01. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540128 | 33557883 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains. The Security Instrument is notarized on the XXX and considered the transaction dated which is when the right to rescind date starts. Three business days from the transaction date is the XXX.<br>Buyer Comment (XX/XX/XXXX): Please see attached boarding data sheet showing disbursement date, also loan proceed payoff checks are all dateXX/XX/XXXX. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540128 | 33557911 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540128 | 33557912 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540128 | 33557915 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540128 | 33557916 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540133 | 33533049 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540133 | 33533050 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540133 | 33533195 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540133 | 33533196 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540133 | 33533197 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540133 | 33533199 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158540133 | 33533201 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540133 | 33533203 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540133 | 33533210 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540133 | 33533211 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540133 | 33607899 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540143 | 33557995 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540143 | 33558590 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540143 | 33558611 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540143 | 33558612 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540143 | 33558614 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | A |  |  | No B |
| XXXX |  |  | 3158540143 | 33558616 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540143 | 33558617 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540143 | 33558618 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed oXX/XX/XXXXX, prior to three (3) business days from transaction date oXX/XX/XXXX. |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains, Please provide evidence the loan was closed oXX/XX/XXXX despite the fact the Mortgage appears to have been signed oXX/XX/XXXX. Note the preprinted date oXX/XX/XXXX on page 1 of the Note is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br>Buyer Comment (XX/XX/XXXX): Rescission period start date: The three-day right of rescission period, established under the Truth in Lending Act (TILA), doesn't begin until after these three events have occurred: Signing of the credit contract (Promissory Note). Receipt of the TILA disclosure document (Closing Disclosure). Receipt of two copies of the notice explaining the right to rescind. The Acknowledgment that the borrower received 2 copies of the right to cancel is signed and dated by the borroweXX/XX/XXXX.<br>Reviewer Comment (XX/XX/XXXX): Exception remains, Please provide evidence the loan was closed oXX/XX/XXXX despite the fact the Mortgage appears to have been signed oXX/XX/XXXX. Note the preprinted date oXX/XX/XXXX on page 1 of the Note is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br>Buyer Comment (XX/XX/XXXX): Appeal – See Notary Acknowledgment. This instrument was Acknowledged before me on. The borrower executed the ROR is dated as of the transaction datXX/XX/XXXX with the Disbursement date oXX/XX/XXXX. A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the date is made clear by the date the borrower received two copies of the notice explaining your right to rescind. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540143 | 33558619 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains, Please provide evidence the loan was closed oXX/XX/XXXX despite the fact the Mortgage appears to have been signed oXX/XX/XXXX. Note the preprinted date oXX/XX/XXXX on page 1 of the Note is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br>Buyer Comment (XX/XX/XXXX): Rescission period start date: The three-day right of rescission period, established under the Truth in Lending Act (TILA), doesn't begin until after these three events have occurred: Signing of the credit contract (Promissory Note). Receipt of the TILA disclosure document (Closing Disclosure). Receipt of two copies of the notice explaining the right to rescind. The Acknowledgment that the borrower received 2 copies of the right to cancel is signed and dated by the borroweXX/XX/XXXX.<br>Reviewer Comment (XX/XX/XXXX): Exception remains, Please provide evidence the loan was closed oXX/XX/XXXX despite the fact the Mortgage appears to have been signed oXX/XX/XXXX. Note the preprinted date oXX/XX/XXXX on page 1 of the Note is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br>Buyer Comment (XX/XX/XXXX): Appeal – See Notary Acknowledgment. This instrument was Acknowledged before me on. The borrower executed the ROR is dated as of the transaction datXX/XX/XXXX with the Disbursement date oXX/XX/XXXX. A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the date is made clear by the date the borrower received two copies of the notice explaining your right to rescind. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540156 | 33558091 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540156 | 33558582 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540156 | 33558583 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540156 | 33558585 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158540156 | 33558586 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540156 | 33558587 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540156 | 33558606 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540158 | 33558372 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540158 | 33558657 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540158 | 33558689 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540158 | 33558690 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540158 | 33558692 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540158 | 33558693 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540158 | 33558695 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540160 | 33558640 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540160 | 33558704 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540160 | 33558719 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540160 | 33558721 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540160 | 33558726 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540160 | 33608101 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540160 | 33715159 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158540164 | 33558954 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540164 | 33558956 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540164 | 33568430 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540184 | 33598108 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540184 | 33598187 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540184 | 33598205 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540184 | 33598206 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540184 | 33598208 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158540184 | 33617918 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540184 | 33626587 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540193 | 33598354 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540193 | 33598663 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540193 | 33598666 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158540193 | 33598669 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540193 | 33598675 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Reviewer Comment (XX/XX/XXXX): The lien release screenshot does not specify enough information to determine it was the subject property loan being paid off.<br>Buyer Comment (XX/XX/XXXX): lien release<br>Buyer Comment (XX/XX/XXXX): 7/6-Appeal : Attached please find confirmation of XXX Lien being released after being paid off with subject transaction. This confirms it was a different lender and therefore correct H8 rescission form was utilized. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540193 | 33598694 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540226 | 33598502 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540226 | 33598709 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540226 | 33598793 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540226 | 33598795 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540226 | 33605879 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540245 | 33558782 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540245 | 33558810 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540245 | 33558833 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540245 | 33558834 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540245 | 33558837 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540245 | 33558839 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540245 | 33558841 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540276 | 33598718 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540276 | 33599037 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540276 | 33599064 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540276 | 33599068 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Buyer Comment (XX/XX/XXXX)XX/XX/XXXX25 Appeal: Please see attached Title Search which reflects the original lender was different than the subject loan lender. In addition. please see Docs DXXXX (Final HUD1), DXXXX (Payoff Statement) and, DXXXX (Credit Report), The original letter per the documents was Litton. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540329 | 33532959 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540329 | 33533326 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540329 | 33533327 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540329 | 33533329 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540329 | 33533330 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540329 | 33533331 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540329 | 33533385 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540345 | 33558965 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540345 | 33561654 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540345 | 33561655 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540345 | 33561657 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158540345 | 33561658 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540345 | 33561659 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540345 | 33561674 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540349 | 33559035 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540349 | 33559036 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (XX/XX/XXXX): The Disbursement Request is not a Flood Cert. Exception remains.<br>Buyer Comment (XX/XX/XXXX APPEAL, Please see Collateral Summary section of the Boarding Data Sheet and Flood insurance section of the Disbursement Request and Authorization for Flood information. Flood insurance was not required. /XXXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540349 | 33559144 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  | Reviewer Comment (XX/XX/XXXX): The Flood Hazard Zone is not located on the Disbursement Request. Exception remains.<br>Buyer Comment (XX/XX/XXXX APPEAL, Please see Collateral Summary section of the Boarding Data Sheet and Flood insurance section of the Disbursement Request and Authorization for Flood information. Flood insurance was not required. /XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540349 | 33559145 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540349 | 33559146 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540349 | 33559148 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158540349 | 33559149 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540349 | 33559150 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540349 | 33559153 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Buyer Comment (XX/XX/XXXX)XX/XX/XXXX25 Appeal: Please see DOCs DXXXX (HUD1), DXXXX (Credit Report), DXXXX (Payoff Statement), and DXXXX). The original lender was XXX. The XXX account number matches between the HUD1, Payoff statement, and the Hazard Insurance. The original lender for the subject loan was a different lender. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540349 | 33559156 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540349 | 33559157 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540380 | 33559031 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540380 | 33559534 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540380 | 33559535 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540380 | 33559537 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540380 | 33559538 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540380 | 33559540 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540380 | 33559552 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540472 | 33559122 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540472 | 33559221 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540472 | 33559222 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540472 | 33559224 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158540472 | 33559225 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540472 | 33559226 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540472 | 33559237 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540486 | 33559126 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540486 | 33559128 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (XX/XX/XXXX): A Disbursement Request is not an acceptable replacement for a Flood Certification. Exception remains.<br>Buyer Comment (XX/XX/XXXX APPEAL, Please see Collateral Summary section of the Boarding Data Sheet and Flood insurance section of the Disbursement Request and Authorization for Flood information. Flood insurance was not required. /XXXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540486 | 33559835 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540486 | 33559836 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540486 | 33559849 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  | Reviewer Comment (XX/XX/XXXX): A Disbursement Request does not identify the Flood Zone. Exception remains.<br>Buyer Comment (XX/XX/XXXX APPEAL, Please see Collateral Summary section of the Boarding Data Sheet and Flood insurance section of the Disbursement Request and Authorization for Flood information. Flood insurance was not required. /XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540486 | 33559850 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540486 | 33559851 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540486 | 33559853 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158540486 | 33559854 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540486 | 33559855 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540486 | 33559858 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Buyer Comment (XX/XX/XXXX)XX/XX/XXXX25 Appeal: Please see DOC DXXXX, the Final HUD1, which shows the loan payoff to XXX. DOC DXXXX is the payoff letter to XXX. The Credit Report (DXXXX) validates the XXX Mortgage Payoff. XXX was not the original lender on the subject loan. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540506 | 33533800 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540506 | 33533808 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540506 | 33533896 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540506 | 33533927 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX): Referenced doc is a general property type which does not specify the actual type of property. Details would be determined from the Appraisal which is missing from origination. Exception remains.<br>Buyer Comment (XX/XX/XXXX25 - Appeal. Please see DXXXX document ID in Clarity for the Property Type.-GXXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540506 | 33533929 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540506 | 33533930 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540506 | 33533931 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540506 | 33545716 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Reviewer Comment (XX/XX/XXXX): Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the flood fee or CLO.<br>Buyer Comment (XX/XX/XXXX: Appeal. Finance charge was re-calculated and yielded FC accurate result. Borrower's finance charge is only the $XXX as reflected on the TIL and HUD. The finance charge of $XXX is accurate. LL |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158540510 | 33598585 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540510 | 33598768 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540510 | 33598958 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540510 | 33598959 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX): Referenced doc is not specific as there's more than 1 type of PUD. Details would be determined from the Appraisal which is missing from origination.<br>Buyer Comment (XX/XX/XXXX25 Please see DXXXX PUD Rider states at the bottom "Multistate PUD Rider - Single Family - Fannie Mae/Freddie Mac Uniform Instrument" |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540510 | 33598961 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540510 | 33598963 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540510 | 33598964 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540517 | 33559277 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540517 | 33559278 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540517 | 33559322 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540517 | 33559323 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540517 | 33559338 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540517 | 33559339 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540517 | 33559340 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540517 | 33559342 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540517 | 33559343 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540517 | 33559344 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540560 | 33532566 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540560 | 33533722 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540560 | 33629963 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540604 | 33598648 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540604 | 33598653 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540604 | 33598729 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540604 | 33598732 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540604 | 33598801 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540604 | 33598802 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540604 | 33598804 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540604 | 33598805 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540604 | 33598806 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540604 | 33598810 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Buyer Comment (XX/XX/XXXX): release of lien<br>Buyer Comment (XX/XX/XXXX): Appeal: Attached please find the Release of Lien sent for recording by XXX after the XXX mortgage was paid with the subject loan. The release confirms XXX was the original lender. Based on the release confirming XXX is not the original lender, the proper rescission form, H8, was used for the subject closing. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540606 | 33598783 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540606 | 33598918 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540606 | 33598921 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540606 | 33598927 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540606 | 33599000 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540606 | 33599080 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Finance Charge Variance of $XXX is due to a CLO-fee to Lending Tree paid POC not disclosed on the Itemization of Fees. |  | Reviewer Comment (XX/XX/XXXX): Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the CLO fee.<br>Buyer Comment (XX/XX/XXXX: Appeal. Please see Clarity doc # DXXXX - Amount Financed Itemization which supports borrower paid ppfc is only $XXX loan origination fee. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158540606 | 33599122 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540606 | 33627885 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540650 | 33598833 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540650 | 33598870 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540650 | 33598950 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540650 | 33598951 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540650 | 33598953 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540650 | 33598955 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540650 | 33619170 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540728 | 33559294 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (XX/XX/XXXX): Attached screenshot is not an acceptable replacement for a Flood Certification. Exception remains.<br>Buyer Comment (XX/XX/XXXX): Flood MSP Screen<br>Buyer Comment (XX/XX/XXXX): Please review document found Notice of Insurance Notice - D XXXX. Document date during origination and it shows the Policy number. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540728 | 33561459 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540728 | 33561460 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540728 | 33561463 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540728 | 33561467 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158540728 | 33561476 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540755 | 33598772 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540755 | 33598834 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540755 | 33598983 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540755 | 33598988 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540755 | 33598991 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Reviewer Comment (XX/XX/XXXX): No action<br>Buyer Comment (XX/XX/XXXX): Appeal withdrawn.<br>Buyer Comment (XX/XX/XXXX): The HUD-1 indicates the payoff of a XXX mortgage (not the same lender). The ROR does not indicate the borrower is entering into a new transaction to increase the amount of credit previously provided. Based on the absent of this language in the ROR, the correct form (H8) was utilized. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540755 | 33599143 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540790 | 33559413 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540790 | 33559472 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540790 | 33560116 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540790 | 33560117 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540790 | 33560119 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | A |  |  | No B |
| XXXX |  |  | 3158540790 | 33560122 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540790 | 33630101 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540807 | 33559529 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540807 | 33559565 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540807 | 33559568 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540807 | 33559571 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158540807 | 33559577 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540807 | 33559624 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540807 | 33559731 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540831 | 33598913 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540831 | 33599203 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540831 | 33599226 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540832 | 33599042 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540832 | 33599537 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540832 | 33599539 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540832 | 33599546 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540832 | 33599548 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed oXX/XX/XXXXX, prior to three (3) business days from transaction date oXX/XX/XXXX. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540832 | 33599549 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540832 | 33599569 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540832 | 33606140 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540832 | 33629320 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540845 | 33559627 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540845 | 33559628 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540845 | 33559637 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540845 | 33559638 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540845 | 33559640 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540845 | 33559641 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540845 | 33559642 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540845 | 33559645 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540845 | 33559646 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540845 | 33559647 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540845 | 33559648 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540869 | 33559763 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | Yes B |
| XXXX |  |  | 3158540869 | 33559765 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540869 | 33559767 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540869 | 33559769 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540869 | 33559773 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540869 | 33559777 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158540909 | 33559901 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540909 | 33559902 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (XX/XX/XXXX): Referenced docs are not a Flood Certification. Exception remains.<br>Buyer Comment (XX/XX/XXXX APPEAL, Please see Collateral Summary section of the Boarding Data Sheet and Flood insurance section of the Disbursement Request and Authorization for Flood information. Flood insurance was not required. /XXXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540909 | 33559930 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540909 | 33559932 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540909 | 33559935 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540909 | 33559941 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540909 | 33559966 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540909 | 33559967 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540909 | 33560112 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540909 | 33560114 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540919 | 33559908 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540919 | 33559996 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540919 | 33559999 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540919 | 33560002 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158540919 | 33560041 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540919 | 33560055 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540919 | 33629407 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540922 | 33560061 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540922 | 33561382 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158540922 | 33561396 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540922 | 33561415 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Reviewer Comment (XX/XX/XXXX): A Warranty Deed from XXX does not serve as a valid and most updated evidence of previous lender. The Assignments uploaded are from XXXX - post closing. The other is from XXXX showing a different borrower - both are not relevant. The Prelim title is the preferred document. Exception remains.<br>Buyer Comment (XX/XX/XXXX): deeds<br>Buyer Comment (XX/XX/XXXX): 7/7-Appeal: Attached please find original deeds for loans with XXX and XXX paid off at closing. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158540931 | 33560188 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540931 | 33560274 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540931 | 33560282 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540931 | 33560283 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540931 | 33560285 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540931 | 33560287 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540931 | 33629185 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (XX/XX/XXXX): Title Search is acceptable as a Prelim title. Subject loan is in 1st lien position so Final Title is required.<br>Buyer Comment (XX/XX/XXXX)XX/XX/XXXX Appeal. Please find attached Title Search report. Full title policy was not required for Home Equity loans. XXXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540931 | 33629216 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540980 | 33533679 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540980 | 33533697 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | At the direction of the client, due to missing the initial application SITUSAMC used an application date systematically produced by the originator for compliance testing. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540980 | 33533856 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540980 | 33533858 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158540980 | 33533859 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540980 | 33533860 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540980 | 33533889 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540980 | 33724001 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  | Buyer Comment (XX/XX/XXXX): Subject transaction was a refi - Borrower already had an active flood insurance policy in place.<br>Reviewer Comment (XX/XX/XXXX): Exception remains, Exception refers to Flood disclosure.<br>Buyer Comment (XX/XX/XXXX): Flood cert in trailing docs. MC |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540983 | 33533539 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540983 | 33533617 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540983 | 33533619 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540983 | 33533620 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540983 | 33533621 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540983 | 33533625 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540989 | 33583551 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540989 | 33583552 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540989 | 33583934 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540989 | 33583942 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540989 | 33584051 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540989 | 33584052 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540989 | 33584054 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540989 | 33584055 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540989 | 33584057 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540989 | 33584059 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541012 | 33583731 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541012 | 33584073 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541012 | 33584908 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541012 | 33584909 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541012 | 33584911 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541012 | 33584912 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541012 | 33584914 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541045 | 33584462 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541045 | 33584468 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541045 | 33584485 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Buyer Comment (XX/XX/XXXX): 7.8.25 Please re-review uploaded documents. XXXX<br>Buyer Comment (XX/XX/XXXX): 7.8.25 Please re-review the uploaded documents which specify a telephone application was taken, document is signed and notarized, stating initial application was taken at least 12 days prior to closing and 2 loan processing documents which report the subject loan application date for the purpose of processing the subject loan was considered to be XX.XX.XXXX. XXXX<br>Reviewer Comment (XX/XX/XXXX): Per process for alt source for application date, document must state "Application Date" and have lender name to be used. Additionally, there is no year listed on the date.<br>Buyer Comment (XX/XX/XXXX APPEAL, Providing evidence of application date. /XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541045 | 33584486 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541045 | 33584488 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541045 | 33584489 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541045 | 33584492 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541047 | 33560551 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541047 | 33560686 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541047 | 33560687 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541047 | 33560689 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158541047 | 33560690 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541047 | 33560691 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541047 | 33560726 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541156 | 33584080 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541156 | 33584152 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541156 | 33584170 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541156 | 33584171 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541156 | 33584173 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541156 | 33584175 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541156 | 33619250 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541180 | 33560524 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541180 | 33560663 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541180 | 33560664 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541180 | 33560666 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541180 | 33560669 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541180 | 33560673 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| XXXX |  |  | 3158541180 | 33560703 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541180 | 33628568 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541187 | 33584588 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541187 | 33584720 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541187 | 33584724 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541187 | 33584725 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541187 | 33584728 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541187 | 33584729 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541187 | 33764844 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541193 | 33533604 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541193 | 33533965 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541193 | 33533966 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX): Ok. Exception remains.<br>Buyer Comment (XX/XX/XXXX Please disregard previous appeal. /XXXX<br>Buyer Comment (XX/XX/XXXX 6/XX/25 APPEAL, HELOAN, Flood Cert provided shows property is not in flood zone, flood insurance is not required. /XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541193 | 33533968 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158541193 | 33533971 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541193 | 33628492 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541196 | 33560707 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | Yes B |
| XXXX |  |  | 3158541196 | 33560709 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains, Fees charged on HUD are POC but unable to determine party that paid POC charges.<br>Buyer Comment (XX/XX/XXXX): 6.25.25 Appeal HELOC open end credit card account per HUD the closing fees were POC by lender and per HELOC agreement page 142of550 DXXXX payment of closing cost-did not "elect to charge" any fees. Please give additional information as to what this exception is for. thank you |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158541196 | 33560711 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541196 | 33560712 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541196 | 33560714 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541196 | 33560717 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158541198 | 33533542 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541198 | 33533634 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541198 | 33533669 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541198 | 33533670 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541198 | 33533672 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541198 | 33533673 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541198 | 33533674 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541228 | 33533936 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541228 | 33534030 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541228 | 33534032 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541228 | 33534035 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158541228 | 33534041 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541228 | 33534069 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541228 | 33534074 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541228 | 33874223 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541241 | 33560830 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541241 | 33560834 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541241 | 33560928 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541241 | 33560929 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541241 | 33560931 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158541241 | 33560932 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541241 | 33560933 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Notice Concerning Extensions of Credit Disclosure dated less than 12 days prior to closing, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541241 | 33560940 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541241 | 33560941 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541341 | 33560828 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541341 | 33560829 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541341 | 33560950 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541341 | 33560951 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541341 | 33560953 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541341 | 33560955 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541341 | 33560956 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541341 | 33560959 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541341 | 33560960 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| XXXX |  |  | 3158541341 | 33560977 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541341 | 33560978 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541365 | 33559266 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541365 | 33559267 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541365 | 33559271 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541365 | 33559272 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (XX/XX/XXXX): Attached screenshot is not a Flood Cert. Exception remains.<br>Buyer Comment (XX/XX/XXXX 6/XX/25 APPEAL, HELOAN, MSP screen shows (FLOD) flood zone X, flood insurance is not required. /XXXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541365 | 33559310 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541365 | 33559311 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541365 | 33559313 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541365 | 33559314 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541365 | 33559315 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541365 | 33559318 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL itemization did not disclose a CLO fee of $XXX as prepaid finance charge. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158541388 | 33561067 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541388 | 33561068 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541388 | 33561292 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541388 | 33561293 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541388 | 33561295 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541388 | 33561296 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541388 | 33561302 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541429 | 33561475 | XX/XX/XXXX | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  |  |  | Buyer Comment (XX/XX/XXXX): See Flood Policy |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541429 | 33561477 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541429 | 33561486 | XX/XX/XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Escrow Option Clause not provided |  |  |  | Buyer Comment (XX/XX/XXXX): Escrow Option Clause not required see exception 33561553, escrowed prior to requirement date. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541429 | 33561534 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Policy Missing | The subject property is in a flood zone, evidence of flood insurance was not provided/obtained. Failure to obtain and disclose required insurance may result in additional federal and/or state compliance violations. |  |  | Buyer Comment (XX/XX/XXXX): See Flood Policy in Trailing Docs<br>Reviewer Comment (XX/XX/XXXX): Per Flood Cert, property is in a flood zone therefore flood insurance is required.<br>Buyer Comment (XX/XX/XXXX): Please review uploaded Flood document<br>Reviewer Comment (XX/XX/XXXX): The attached screenshot does not show the Flood Insurance Policy. Exception remains.<br>Buyer Comment (XX/XX/XXXX): See attached.<br>Buyer Comment (XX/XX/XXXX): Please see attached screenshot from MSP screen. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541429 | 33561535 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541429 | 33561537 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541429 | 33561539 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158541429 | 33561541 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541429 | 33561555 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541429 | 33573392 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Verify and date capture as per source document |  | Reviewer Comment (XX/XX/XXXX): Please confirm the documents prior to uploading. Doc is not dated or signed. Nor is it the correct document. Exception remains.<br>Buyer Comment (XX/XX/XXXX): Please review flood document<br>Reviewer Comment (XX/XX/XXXX): The attached screenshot is not the Notice of Special Hazard Disclosure provided prior to closing.<br>Buyer Comment (XX/XX/XXXX): see attached file<br>Buyer Comment (XX/XX/XXXX): Please see attached screenshot from MSP. Thank you. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541429 | 33626434 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541490 | 33561837 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541490 | 33562538 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541490 | 33562550 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541490 | 33562551 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541490 | 33562553 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541490 | 33562555 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541490 | 33618704 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541523 | 33561835 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541523 | 33561836 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541523 | 33561903 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541523 | 33561904 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541523 | 33561931 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541523 | 33561934 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541523 | 33561936 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541540 | 33561805 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541540 | 33562164 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541540 | 33562166 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541540 | 33562169 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541540 | 33562205 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541540 | 33562234 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541540 | 33573646 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158541540 | 33618469 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541578 | 33564015 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541578 | 33564172 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | C |  |  | No B |
| XXXX |  |  | 3158541578 | 33564181 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541578 | 33564182 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains, Unable to determine specific property type at origination.<br>Buyer Comment (XX/XX/XXXX): 6.27.25 Appeal. In the loan file, under DXXXX, page 50, comment summary notes dateXX/XX/XXXX state, 1st lien Condo. In addition, Credit Investigation, under DXXXX, page 59 shows property type as SFR & Condo. Please review and rescind. rk |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541578 | 33564186 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158541588 | 33562151 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541588 | 33562451 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541588 | 33562582 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541588 | 33562583 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541588 | 33562585 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541588 | 33562589 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541588 | 33617033 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541625 | 33532901 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541625 | 33533732 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541625 | 33533767 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541625 | 33533768 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541625 | 33533770 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158541625 | 33533772 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541625 | 33625735 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541634 | 33561825 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541634 | 33562441 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541634 | 33563056 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541634 | 33563058 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541634 | 33563062 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541634 | 33616929 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Buyer Comment (XX/XX/XXXX)XX/XX/XXXX25 Appeal. Please find title search attached. XXXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541634 | 33616941 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541634 | 33807232 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541671 | 33584596 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541671 | 33584755 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541671 | 33584817 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541671 | 33584818 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541671 | 33584820 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541671 | 33584823 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541671 | 33584824 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing Itemization of Amount Financed |  | Reviewer Comment (XX/XX/XXXX): Points and fees that meet the definition of finance charge are included in the finance charge calculation, regardless of whether they are paid by the borrower at closing (financed) or outside closing (cash). Fees paid by another party may be excluded from finance charges, however the subject loan file does not contain evidence that another party paid the flood fee or settlement/closing fee.<br>Buyer Comment (XX/XX/XXXX: Appeal. Re-calculated ppfc and yielded an fc accurate result. There are no pppfc paid by borrower as reflected on Disbursement Request and Authorization in Clarity doc # XXXX.XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158541671 | 33633279 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541680 | 33562698 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541680 | 33562700 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541680 | 33562709 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541680 | 33562749 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158541680 | 33562753 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541680 | 33562755 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541680 | 33562757 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158541680 | 33562761 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541680 | 33562762 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541680 | 33562765 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  | Buyer Comment (XX/XX/XXXX): title<br>Buyer Comment (XX/XX/XXXX): Appeal: Attached please find the subject title commitment which does not show any mortgages on Schedule B. This is supported by HUD-1 not paying off any mortgage as well. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541716 | 33562801 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541716 | 33562906 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541716 | 33562915 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541716 | 33563007 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541716 | 33563794 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541716 | 33563796 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158541809 | 33562883 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541809 | 33562884 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541809 | 33562963 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541809 | 33562966 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541809 | 33562986 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541809 | 33562987 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541809 | 33562989 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541809 | 33562991 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541809 | 33562993 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541872 | 33535087 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains. Final Title policy required for 1st lien transactions.<br>Buyer Comment (XX/XX/XXXX)XX/XX/XXXX APPEAL, A title policy was not required for this HELOC, see Disbursement Instructions and Installment Loan Amount Financed Itemization TIL disclosure, show no charge for a Title Insurance Policy. /XXXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541872 | 33537797 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX): The documents do not identify specific property type. i.e.: attached or detached. Exception remains.<br>Buyer Comment (XX/XX/XXXX APPEAL, THE Document provided clearly shows that the property is not a Condo, PUD, nor Manufactured home. /XXXX<br>Reviewer Comment (XX/XX/XXXX): Referenced doc is not specific as there's more than 1 type of SFR. Details would be determined from the Appraisal which is missing from origination. Exception remains.<br>Buyer Comment (XX/XX/XXXX)XX/XX/XXXX APPEAL, Please see attached HELOC Collateral valuation screen print and credit investigation showing property details. /XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541872 | 33537804 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158541872 | 33546131 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains. Per process for alt source for application date, document must state "Application Date" and have lender name to be used. Screen shot provided does not reflect a lender name.<br>Buyer Comment (XX/XX/XXXX APPEAL, Reloading MTLI-Track 1 screen print. /XXXX<br>Reviewer Comment (XX/XX/XXXX): Screen print as described not located in file from 6/30. Please give location or reupload.<br>Buyer Comment (XX/XX/XXXX)XX/XX/XXXX APPEAL, HELOC, Please see attached MTLI-Track 1 screen print from Residential Loan Production System showing application date aXX/XX/XXXX. /XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541897 | 33562943 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541897 | 33563053 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541897 | 33563318 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541897 | 33563319 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541897 | 33563321 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541897 | 33563462 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541897 | 33619384 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541925 | 33563986 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541925 | 33564124 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541925 | 33564126 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541925 | 33564130 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158541925 | 33564136 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541925 | 33564157 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed oXX/XX/XXXXX, prior to three (3) business days from transaction date oXX/XX/XXXX. |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains, Please provide evidence the Loan was opened oXX/XX/XXXX despite the fact the Mortgage appear to have been signed oXX/XX/XXXX. Note the preprinted date oXX/XX/XXXX on page 1 of the is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br>Buyer Comment (XX/XX/XXXX): Rescission period start date: The three-day right of rescission period, established under the Truth in Lending Act (TILA), doesn't begin until after these three events have occurred: Signing of the credit contract (Promissory Note). Receipt of the TILA disclosure document (Closing Disclosure). Receipt of two copies of the notice explaining the right to rescind. The Acknowledgment that the borrower received 2 copies of the right to cancel is signed and dated by the borroweXX/XX/XXXX.<br>Reviewer Comment (XX/XX/XXXX): Exception remains, Please provide evidence the Loan was opened oXX/XX/XXXX despite the fact the Mortgage appear to have been signed oXX/XX/XXXX. Note the preprinted date oXX/XX/XXXX on page 1 of the is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br>Buyer Comment (XX/XX/XXXX): Appeal – See Notary Acknowledgment. This instrument was Acknowledged before me on. The borrower executed the ROR is dated as of the transaction datXX/XX/XXXX with the Disbursement date oXX/XX/XXXX. A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the date is made clear by the date the borrower received two copies of the notice explaining your right to rescind. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158541925 | 33564159 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains, Please provide evidence the Loan was opened oXX/XX/XXXX despite the fact the Mortgage appear to have been signed oXX/XX/XXXX. Note the preprinted date oXX/XX/XXXX on page 1 of the is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br>Buyer Comment (XX/XX/XXXX): Rescission period start date: The three-day right of rescission period, established under the Truth in Lending Act (TILA), doesn't begin until after these three events have occurred: Signing of the credit contract (Promissory Note). Receipt of the TILA disclosure document (Closing Disclosure). Receipt of two copies of the notice explaining the right to rescind. The Acknowledgment that the borrower received 2 copies of the right to cancel is signed and dated by the borroweXX/XX/XXXX.<br>Reviewer Comment (XX/XX/XXXX): Exception remains, Please provide evidence the Loan was opened oXX/XX/XXXX despite the fact the Mortgage appear to have been signed oXX/XX/XXXX. Note the preprinted date oXX/XX/XXXX on page 1 of the is not generally relied on to support when that document was signed when the Notary Date on the Security Instrument is a different date.<br>Buyer Comment (XX/XX/XXXX - Appeal – See Notary Acknowledgment. This instrument was Acknowledged before me on. The borrower executed the ROR is dated as of the transaction datXX/XX/XXXX with the Disbursement date oXX/XX/XXXX. A Notary Acknowledgment is merely an Acknowledgment and not a Jurat which requires that the document be signed in the Notary's presence. In this case the date is made clear by the date the borrower received two copies of the notice explaining your right to rescind. – SO |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158541925 | 33564166 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541925 | 33564187 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541927 | 33584635 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | Yes B |
| XXXX |  |  | 3158541927 | 33584637 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541927 | 33584639 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541927 | 33584640 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541927 | 33584643 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541927 | 33584645 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158541937 | 33535076 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541937 | 33535253 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541937 | 33538496 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541937 | 33538499 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541937 | 33546239 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541937 | 33619743 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541937 | 33807963 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158541962 | 33536775 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541962 | 33536778 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (XX/XX/XXXX): The doc in review is a flood determination, not a certification.<br>Buyer Comment (XX/XX/XXXX): Please review uploaded Flood. |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541962 | 33536798 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541962 | 33536799 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (XX/XX/XXXX): Doc is a Title Search, not a Final Title.<br>Buyer Comment (XX/XX/XXXX): Please review uploaded title |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541962 | 33538653 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541962 | 33538654 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541962 | 33538661 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541962 | 33619651 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541962 | 33697025 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541972 | 33563070 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541972 | 33563071 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541972 | 33563078 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541972 | 33563110 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541972 | 33563128 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541972 | 33563129 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541972 | 33563133 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541972 | 33611080 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541972 | 33611081 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541972 | 33611083 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542027 | 33562891 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542027 | 33563044 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542027 | 33563097 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542027 | 33563098 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542027 | 33563100 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158542027 | 33563101 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158542027 | 33563102 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542054 | 33599735 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542054 | 33599815 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542054 | 33606344 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542054 | 33606348 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158542054 | 33606349 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542104 | 33599134 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542104 | 33599158 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542104 | 33599380 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542104 | 33599385 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542104 | 33599594 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  | Reviewer Comment (XX/XX/XXXX): Ok, disregarded.<br>Buyer Comment (XX/XX/XXXX): disregard entered in error property is in a flood zone and origination flood cert not found.<br>Buyer Comment (XX/XX/XXXX): 6/30-Appeal: Attached please find flood zone indicator. Property not in a flood zone and therefore flood zone/insurance not required. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542104 | 33599595 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542104 | 33599596 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542104 | 33599598 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158542104 | 33599599 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158542104 | 33599600 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542104 | 33599602 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542113 | 33536462 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542113 | 33537869 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542113 | 33537903 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542113 | 33537904 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542113 | 33537906 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158542113 | 33537909 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542113 | 33619244 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158542191 | 33585101 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158542191 | 33585104 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542191 | 33585105 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542191 | 33585109 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542191 | 33585110 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158542229 | 33600873 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542229 | 33600874 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542229 | 33600876 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158542229 | 33600880 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542229 | 33600891 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542229 | 33600895 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542229 | 33638036 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158542236 | 33599577 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542236 | 33599579 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542236 | 33599591 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542236 | 33599592 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542236 | 33599660 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542236 | 33599661 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542236 | 33599663 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158542236 | 33599664 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158542236 | 33599666 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542236 | 33599668 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL Itemization did not disclose an Settlement/Closing/Escrow fee of $XXX and Flood Certification (Life of Loan) fee of $XXX as a prepaid finance charge. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158542248 | 33599121 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542248 | 33599197 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542248 | 33599240 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542248 | 33599241 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542248 | 33599243 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158542248 | 33599245 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542248 | 33638186 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158542271 | 33599186 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542271 | 33599191 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542271 | 33599247 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542271 | 33599248 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542271 | 33599250 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158542271 | 33599252 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158542271 | 33599253 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Notice Concerning Extensions of Credit Disclosure dated less than 12 days prior to closing, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542271 | 33599254 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542274 | 33599798 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542274 | 33599873 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542274 | 33599910 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542274 | 33599911 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542274 | 33599913 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158542274 | 33599914 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158542274 | 33599915 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542327 | 33562823 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542327 | 33562938 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542327 | 33563008 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542327 | 33563009 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542327 | 33563011 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158542327 | 33563013 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542327 | 33610481 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158542368 | 33562480 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542368 | 33562482 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542368 | 33562619 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542368 | 33562620 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542368 | 33562622 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158542368 | 33562625 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542368 | 33562627 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542368 | 33562635 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542368 | 33562638 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542368 | 33574247 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158542373 | 33563093 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542373 | 33563439 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542373 | 33563474 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542373 | 33563475 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542373 | 33563477 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158542373 | 33563479 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542373 | 33610054 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158542411 | 33563692 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542411 | 33563828 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Buyer Comment (XX/XX/XXXX): 7.9.25 Please re-review the closing coversheet at page 51 which reports XXXX and the initial application. No lender's name is noted as there is no 3rd party in the transaction, unable to locate an evidence of a broker, etc. XXXX<br>Reviewer Comment (XX/XX/XXXX): Per process for alt source for application date, document must state "Application Date" and have lender name to be used.<br>Buyer Comment (XX/XX/XXXX Appeal: Please see the Loan Closing Cover Sheet, which reveals the application date oXX/XX/XXXX, on page 51 (Doc ID XXXX) of the Clarity loan file. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542411 | 33563829 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542411 | 33563831 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158542411 | 33563833 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542411 | 33563853 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542411 | 33574617 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158542411 | 33608614 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL itemization did not disclose a CLO fee fee of $XXX as prepaid finance charge. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158542419 | 33536572 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542419 | 33538130 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date oXX/XX/XXXX used as disbursement date for compliance testing. |  |  | Buyer Comment (XX/XX/XXXX Appeal: Please see the Note (page 733 (Doc ID XXXX) of the Clarity Loan File). Per the Promise to Pay section, interest does not begin until the business day following the midnight expiration of the rescission periodXX/XX/XXXX is identified as the day the loan will fund and the borrower is obligated to the repayment as disclosed. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542419 | 33538132 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (XX/XX/XXXX): Referenced document does not notate what day 'at least 12 days prior' is so we cannot arbitrarily enter a random date as the application date. The actual date would come from the initial 1003.<br>Buyer Comment (XX/XX/XXXX25 Please see DXXXX Application received by telephone - states I understand that I made my application with lender for my equity extension of credit by telephone or other media that does not constitute filling out a paper application at least 12 days prior to signing my equity extension of credit documentation. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542419 | 33538134 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542419 | 33538138 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158542419 | 33538139 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542419 | 33538142 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542419 | 33538159 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542419 | 33806878 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158542430 | 33538443 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542430 | 33538466 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542430 | 33538552 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542430 | 33538553 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542430 | 33538559 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542430 | 33607788 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158542430 | 33724258 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158542433 | 33563800 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542433 | 33563803 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542433 | 33563897 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542433 | 33563899 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542433 | 33563938 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542433 | 33563939 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542433 | 33563941 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158542433 | 33563942 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158542433 | 33563943 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542456 | 33535885 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542456 | 33537598 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542456 | 33537599 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542456 | 33537602 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158542456 | 33537604 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542456 | 33537659 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542456 | 33763686 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158542491 | 33564380 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (XX/XX/XXXX): Flood Certificate from origination is missing. Exception remains.<br>Buyer Comment (XX/XX/XXXX): Flood Zone |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158542491 | 33564544 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): HELOC Agreement does not specifically identify fees under either a finance charge vs. other charge category. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | Yes B |
| XXXX |  |  | 3158542491 | 33564546 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fee amounts were sourced from multiple disclosures containing higher amounts than that reflected on HELOC Agreement. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158542491 | 33564548 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542491 | 33564549 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542491 | 33564551 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542491 | 33564553 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158542491 | 33564590 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537008 | 33593267 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure oXX/XX/XXXX used as disbursement date for compliance testing. |  |  | Buyer Comment (XX/XX/XXXX25 Appeal. Subject is a purchase transaction in TX. The Note and the HUD1 are dated foXX/XX/XXXX. There is also a Disbursement Authorization dateXX/XX/XXXX, but is not executed. It is unusual to see an exception for disburment date on a purchase transaction. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537008 | 33593268 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Reviewer Comment (XX/XX/XXXX): Documentation provided did not reflect an application date in order to clear exception.<br>Buyer Comment (XX/XX/XXXX25 Appeal. Subject is a purchase transaction in XX. The Note and the HUD1 are dated foXX/XX/XXXX. There is also a Disbursement Authorization dateXX/XX/XXXX, but is not executed. It is unusual to see an exception for disburment date on a purchase transaction. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537048 | 33591987 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure oXX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (XX/XX/XXXX): D1435 is a post closing letter. Exceptions remains.<br>Buyer Comment (XX/XX/XXXX)XX/XX/XXXX25 Appeal: Please see DOC D1435 which states the funding date waXX/XX/XXXX. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537048 | 33591988 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537048 | 33591998 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537048 | 33591999 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537059 | 33591884 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure oXX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537059 | 33591885 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537095 | 33591611 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure oXX/XX/XXXX used as disbursement date for compliance testing. |  |  | Buyer Comment (XX/XX/XXXX): subject is a purchase and not a refi.<br>Reviewer Comment (XX/XX/XXXX): A worksheet is not acceptable to use as a Disbursement date. Additionally, there are multiple signed worksheets with different dates on them. Exception remains.<br>Buyer Comment (XX/XX/XXXX): .<br>Buyer Comment (XX/XX/XXXX): disb date<br>Buyer Comment (XX/XX/XXXX25-Appeal: Attached please find confirmation of disbursement date oXX/XX/XXXX which matches the interest beginning on the Final Hud-1. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537095 | 33591612 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537095 | 33591613 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537095 | 33591614 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537095 | 33591633 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537152 | 33592075 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537152 | 33592718 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537152 | 33592719 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537152 | 33592720 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537152 | 33592721 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Buyer Comment (XX/XX/XXXX): funding<br>Buyer Comment (XX/XX/XXXX): 7/8-Appeal: Attached please find the funding worksheet which confirms no fees were charged to the borrower. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537154 | 33592197 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Purchase | C |  |  | No B |
| XXXX |  |  | 3158537154 | 33592284 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537154 | 33592321 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537154 | 33592322 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537154 | 33592323 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537154 | 33592324 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537186 | 33593505 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158537323 | 33593291 | XX/XX/XXXX | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537323 | 33594091 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure oXX/XX/XXXX used as disbursement date for compliance testing. |  |  | Reviewer Comment (XX/XX/XXXX): The HUD addendum is not acceptable for the Disbursement date as 'will cause the funds to be disbursed' is not: funds have been disbursed on X date.<br>Buyer Comment (XX/XX/XXXX): disb date |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537323 | 33594092 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (XX/XX/XXXX): Referenced 1004 is not to the subject borrower or property address. Exception remains.<br>Buyer Comment (XX/XX/XXXX): 6/29-Appeal: Please refer to origination appraisal DOCXXXX which confirms the property is a single family detached property. TC |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537324 | 33592612 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No B |
| XXXX |  |  | 3158537324 | 33592613 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Rate/Term | B |  |  | No B |
| XXXX |  |  | 3158537365 | 33593752 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Buyer Comment (XX/XX/XXXX): located 1003 addendum<br>Reviewer Comment (XX/XX/XXXX): There are Broker fees listed on the HUD that are paid to the same entity that appear on the Note. The actual Lender is XXX.; The Broker is XXX, evident to YSP being paid to XXX + Line 806. The initial 1003 for XXX is missing. Exception remains.<br>Buyer Comment (XX/XX/XXXX): 6/29-Appeal: Lender is XXX per the Note, the initial loan application dateXX/XX/XXXX is located on DOCID XXXX. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537365 | 33593753 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537368 | 33592795 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Purchase | C |  |  | No B |
| XXXX |  |  | 3158537368 | 33593272 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537368 | 33593273 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158537369 | 33592212 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL Itemization only disclosed settlement charges in the amount of $XXX and final HUD reflects $XXX. <br> TIL Itemization disclosed Courier fee in the amount of $XXX and final HUD reflects only $XXX. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537400 | 33593933 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158537607 | 33592218 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537607 | 33592220 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537607 | 33592616 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537607 | 33592617 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537607 | 33592618 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537607 | 33592639 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537607 | 33592641 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  | Reviewer Comment (XX/XX/XXXX): Occupancy cannot be determined from a HUD or Hazard policy address. Determination will be established from a 1003, Approval, AUS or 1008.<br>Buyer Comment (XX/XX/XXXX)XX/XX/XXXX25 Appeal. Subject is not a primary residence. Please see HUD1 and notice the borrower's address is not the subject address. The hazard policy is a fire policy as shown on the Agreement to provide insurance document. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537607 | 33592642 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537801 | 33592327 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537801 | 33592401 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537801 | 33592402 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537934 | 33593693 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537934 | 33593694 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537934 | 33593909 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158537934 | 33593961 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158537934 | 33593962 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538056 | 33592493 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538056 | 33593529 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  | Reviewer Comment (XX/XX/XXXX): Unable to determine occupancy as investment & 2nd residence are both non-homesteaded.<br>Buyer Comment (XX/XX/XXXX): 7.1.25 In addition, see attached Affidavit of Non Homestead. XXXX<br>Buyer Comment (XX/XX/XXXX): 7.1.25 Appeal. Boarding Data Sheet at origination shows this is a refinance of Non Homestead Equity loan. This document is found in loan file under XXXX, page 1179. Please review and rescind. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538056 | 33593537 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538056 | 33593566 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538056 | 33593567 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538813 | 33591068 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538813 | 33591069 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538813 | 33591434 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538813 | 33591436 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538813 | 33591490 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538821 | 33598277 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538821 | 33598278 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538821 | 33598342 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158538821 | 33598434 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158538834 | 33598749 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158538834 | 33632847 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  | Reviewer Comment (XX/XX/XXXX): Exception remains. The Statement of non occupancy does not specify occupancy type. Unable to determine investment or 2nd residence at origination.<br>Buyer Comment (XX/XX/XXXX): 7.3.25 The document does specify his occupancy. "Has never, does not now and does not ever intend to ever reside on property as his homestead". XXXX<br>Reviewer Comment (XX/XX/XXXX): The Statement of non occupancy does not specify occupancy type. That alone does not support investment as it could also be a 2nd residence. Exception remains.<br>Buyer Comment (XX/XX/XXXX): 7.2.25 The Affidavit of Non Homestead is dated and signed at origination oXX/XX/XXXX. This customer's signature on this document provides his statement of non occupancy. Please review and rescind. XXXX<br>Reviewer Comment (XX/XX/XXXX): Exception remains, file is slim to determine occupancy at origination. Need documents from origination to support investment property type.<br>Buyer Comment (XX/XX/XXXX): 7.1.25 Appeal. Affidavit of Non Homestead from borrower at origination states, "has never, does not now and does not ever intend to ever reside on property as his homestead". This document is found in loan file under XXXX, page 5. Please review and recind. XXXX |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158538834 | 33776182 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - UTD | B |  |  | No B |
| XXXX |  |  | 3158539281 | 33594085 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539281 | 33594086 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539281 | 33598349 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539281 | 33598351 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158539281 | 33598474 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158539888 | 33598896 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158539888 | 33598897 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure oXX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158539888 | 33598898 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Purchase | B |  |  | No B |
| XXXX |  |  | 3158539890 | 33591771 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (XX/XX/XXXX): The 1003 is not dated nor from the lender. Exception remains.<br>Buyer Comment (XX/XX/XXXX): 6.30.25 Appeal. Please see attached Final 1003 along with addendums for the subject loan. Please review and rescind. XXXX |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158539890 | 33592245 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158539890 | 33592254 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158539890 | 33592259 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 3% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of 5.54035% is in excess of the allowable maximum of 3.0000% of the Original Principal Loan Amount. Points and Fees total $XXX on an Original Principal Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or 2.54035%.) |  |  | Reviewer Comment (XX/XX/XXXX): Re-graded TX 50(a)(6) Points and Fees exception to an EV2-B based on Outside Counsel's feedback and the lender's rebuttal that the loan was made in accordance with existing case law at time of origination which provides that origination charges to lender constitutes "interest" and is therefore excluded from TX 3% points and fees.<br>Buyer Comment (XX/XX/XXXX): Outside counsel previously indicated if an originator has a reasoned legal position as to why they determined that origination fees should be excluded from the 3% fee limitation based on prior case law and regulation to the Norwood decision, the Texas points and fees exception can be re-graded form EV3-C to EV2-B if Loan Origination Fee, Origination Points, or Loan Origination Points charged to the consumer are the only fees causing total points and fees to exceed the TX 3% points and fees threshold. Please see attached.<br>Reviewer Comment (XX/XX/XXXX): Exception remains, Since the enactment of the Texas constitutional amendment in 1998, it has been a matter of debate whether "discount points" may be excluded from the TX50(a)(6) points and fees limitation. The Texas Supreme court issued an opinion oXX/XX/XXXX in Finance Commission of Texas v. Norwood prohibiting the treatment of discount points as "interest" and therefore, included in the TX 3% fee cap only to issue a Supplemental Opinion 7 months later to clarify that "Legitimate discount points to lower the loan interest rate, in effect, substitute for interest." Further, "true discount points are not fees "necessary to originate, evaluate, maintain, record, insure, or service" but are an option available to the borrower and thus not subject to the 3% cap."<br>The approach taken by SitusAMC, and confirmed by outside counsel, requires either an acknowledgement from borrower, evidence of undiscounted rate or other evidence to support that discount points charged are bona fide in order to exclude from the 3% points and fees testing.<br>While borrower acknowledgement or documentation is not required by regulation, as a TPR firm, without such documentation, we are not able to ascertain that the discount points reduce the interest rate and therefore qualifies for exclusion. The constitutional requirement that excludes charges that constitute "interest" has been the same since enactment, therefore, irrespective of when the loan was originated, only discount points that in fact result in a reduction of interest rate are considered interest and excludable. Without this evidence, the discount points would be considered origination fees.<br>Buyer Comment (XX/XX/XXXX): The $XXX Discount Points charge is excludable. Prior to Finance Commission of Texas v. Norwood, et al. (ACORN), No 100121 (TexXX/XX/XXXX), It was not concluded by the courts that lenders were required to include Discount Points In the 3 percent fee cap. Loan originated in 1999 therefore discount points are excludable. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Yes B |
| XXXX |  |  | 3158539890 | 33592274 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes B |
| XXXX |  |  | 3158539890 | 33592288 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL Itemization disclose Copy Fee of $XXX Tax Certificate fee of $XXX and Escrow fee of $XXX as prepaid finance charge. |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes B |
| XXXX |  |  | 3158539890 | 33592308 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing date the Notice Concerning Extensions of Credit disclosure was provided, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158539890 | 33592310 | XX/XX/XXXX | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540045 | 33596625 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540045 | 33596640 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540045 | 33598236 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540045 | 33598237 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540045 | 33598239 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158540045 | 33598240 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158540045 | 33598241 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Notice Concerning Extensions of Credit Disclosure dated less than 12 days prior to closing, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158540045 | 33598244 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540045 | 33598250 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540045 | 33598253 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540045 | 33598255 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540299 | 33591329 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158540299 | 33591380 | XX/XX/XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540299 | 33591397 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540299 | 33591400 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540299 | 33593459 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540299 | 33593461 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158540299 | 33593475 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158540572 | 33592899 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540572 | 33593311 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540572 | 33593312 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540903 | 33598435 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158540903 | 33598508 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158540903 | 33598509 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541733 | 33593026 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541733 | 33593139 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541733 | 33593207 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541733 | 33593208 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541733 | 33593210 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No B |
| XXXX |  |  | 3158541733 | 33593212 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541733 | 33593213 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541909 | 33598301 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541909 | 33598302 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541909 | 33598331 | XX/XX/XXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | C |  |  | No B |
| XXXX |  |  | 3158541909 | 33598334 | XX/XX/XXXX | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541909 | 33598358 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541909 | 33598359 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541909 | 33598361 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) | Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | A |  |  | No B |
| XXXX |  |  | 3158541909 | 33598362 | XX/XX/XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B |  |  | No B |
| XXXX |  |  | 3158541909 | 33598363 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158541909 | 33598366 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158541938 | 33591210 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158541938 | 33591379 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158541938 | 33591381 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542010 | 33594010 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date oXX/XX/XXXX used as disbursement date for compliance testing. |  |  | Buyer Comment (XX/XX/XXXX): Appeal – See verification of Disbursement datXX/XX/XXXX.<br>Buyer Comment (XX/XX/XXXX): Appeal Docs |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542010 | 33594013 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542010 | 33594018 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section 50(a)(6): Missing Notice Concerning Extensions of Credit disclosure, however file includes a signed acknowledgment stating that the owner(s) received the Notice at least 12 days prior to closing. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. B |  |  | Yes B |
| XXXX |  |  | 3158542010 | 33594019 | XX/XX/XXXX | Compliance | Compliance | State Compliance | State Defect | (TX50(t)(5)) (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal). | No appraisal or valuation value used to determine LTV. Unable to determine compliance with TX50(t)(5) CLTV limitation due to missing appraisal or other evaluation to verify property value/LTV |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | Send the borrower a written acknowledgement that the lien is valid only in the amount that the extension of credit does not exceed the CLTV of 80%. B |  |  | Yes B |
| XXXX |  |  | 3158542010 | 33600334 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Buyer Comment (XX/XX/XXXX): Appeal – See verification of application datXX/XX/XXXX. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | B |  |  | No B |
| XXXX |  |  | 3158542010 | 33600335 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed oXX/XX/XXXXX, prior to three (3) business days from transaction date oXX/XX/XXXX. |  |  | Buyer Comment (XX/XX/XXXX): Appeal – See verification of Disbursement datXX/XX/XXXX. |  |  |  |  | 2 | XX/XX/XXXX | XX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes B |
| XXXX |  |  | 3158542226 | 33591587 | XX/XX/XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | C |  |  | No B |
| XXXX |  |  | 3158542226 | 33591706 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date oXX/XX/XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |
| XXXX |  |  | 3158542226 | 33591707 | XX/XX/XXXX | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | XX | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No B |

---

![](ex99-01.jpg)

**Data Compare**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Alternate Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** |
| XXXX |  |  | 3158537431 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537431 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537543 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537543 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537543 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537571 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537571 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537586 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537586 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537632 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537632 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537658 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537658 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537735 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537735 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158537735 | Property Type | Single Family | PUD | Verified |
| XXXX |  |  | 3158537735 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537769 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537769 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537769 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537770 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537770 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537810 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537810 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537810 | Original LTV | 54.5 |  | Verified |
| XXXX |  |  | 3158537838 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537838 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537858 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537858 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537858 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537872 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537872 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537873 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537873 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158537873 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537873 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537873 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537903 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537903 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537907 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537907 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537907 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537909 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537909 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537909 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537922 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537922 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537936 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537936 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538049 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158538049 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538049 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538049 | Original LTV | 79.8 | 75 | Verified |
| XXXX |  |  | 3158538058 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158538058 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538058 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538060 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158538060 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538060 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538092 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158538092 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158538092 | Original Loan Amount | XXX | XXX | Verified |
| XXXX |  |  | 3158538092 | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158538092 | Property Type | Single Family | PUD | Verified |
| XXXX |  |  | 3158538092 | Appraised Value | XXX | XXX | Verified |
| XXXX |  |  | 3158538092 | Original LTV | 83.7 | 85.01645 | Verified |
| XXXX |  |  | 3158538094 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538094 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538110 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158538110 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538110 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538134 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538134 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538205 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538205 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538220 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538220 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538235 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538235 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538296 | Original Loan Amount | XXX | XXX | Verified |
| XXXX |  |  | 3158538296 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538296 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538301 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158538301 | Original Loan Amount | XXX | XXX | Verified |
| XXXX |  |  | 3158538301 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538301 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538323 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538323 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538337 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158538337 | Original Loan Amount | XXX | XXX | Verified |
| XXXX |  |  | 3158538337 | Property Type | Single Family | PUD | Verified |
| XXXX |  |  | 3158538350 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158538386 | Property Type | Condo | UTD | Verified |
| XXXX |  |  | 3158538386 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538405 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538405 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538448 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158538448 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538448 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538531 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158538531 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538531 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538552 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538552 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538579 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158538579 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538579 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538665 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158538665 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158538665 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538665 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538712 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538712 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538732 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158538733 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538733 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538735 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538735 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538762 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538762 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538784 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158538784 | Original Loan Amount | XXX | XXX | Verified |
| XXXX |  |  | 3158538784 | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158538784 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538784 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538789 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538789 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538836 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538836 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538880 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538880 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538898 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158538898 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538898 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538919 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538919 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538969 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538969 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538971 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158538971 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538971 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538971 | Original LTV | 58.8 | 76.92308 | Verified |
| XXXX |  |  | 3158538981 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538981 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538984 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158538984 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538984 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539000 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158539000 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539023 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539023 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539030 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539030 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539078 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539078 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539096 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539096 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539146 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158539146 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539146 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539209 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539209 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539212 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158539212 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158539212 | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158539279 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539279 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539298 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158539298 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158539298 | Original Loan Amount | XXX | XXX | Verified |
| XXXX |  |  | 3158539298 | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158539298 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539298 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539298 | Original LTV | 81.7 | 68.79278 | Verified |
| XXXX |  |  | 3158539315 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539315 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539339 | Original Loan Amount | XXX | XXX | Verified |
| XXXX |  |  | 3158539339 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539339 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539397 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539397 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539412 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539412 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539446 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158539446 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539446 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539501 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158539501 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539501 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539531 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158539531 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539531 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539555 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158539555 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539555 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539588 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539588 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539599 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539599 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539642 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158539642 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158539642 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539642 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539650 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539650 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539657 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158539657 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539657 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539681 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539681 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539713 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539713 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539739 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158539739 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539739 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539832 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539832 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539836 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158539976 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158539976 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539976 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540003 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540003 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540014 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158540014 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540014 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540042 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158540042 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540042 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540058 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540058 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540081 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540081 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540092 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540092 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540118 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158540118 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158540118 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540118 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540128 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158540128 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540128 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540133 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540133 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540143 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540143 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540156 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540156 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540158 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540158 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540160 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158540160 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540160 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540164 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540184 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158540184 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540184 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540193 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158540193 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158540193 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540226 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158540226 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158540226 | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158540226 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540245 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540245 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540276 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158540276 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158540276 | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158540276 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540329 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540329 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540345 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540345 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540349 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540380 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540380 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540472 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158540472 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540472 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540486 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540486 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540506 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540506 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540510 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540510 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540510 | Original LTV | 80 | 76.92308 | Verified |
| XXXX |  |  | 3158540517 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540517 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540560 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158540560 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158540560 | Property Type | Single Family | PUD | Verified |
| XXXX |  |  | 3158540560 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540604 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540604 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540604 | Original LTV | 62.7 | 59.25926 | Verified |
| XXXX |  |  | 3158540606 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540606 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540650 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540650 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540728 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158540728 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540728 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540790 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158540790 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540790 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540807 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540807 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540831 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158540831 | Property Type | Single Family | PUD | Verified |
| XXXX |  |  | 3158540831 | Appraised Value | XXX | XXX | Verified |
| XXXX |  |  | 3158540831 | Original LTV | 8.9 | 10.98901 | Verified |
| XXXX |  |  | 3158540832 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158540832 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540832 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540845 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540869 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158540869 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158540869 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540869 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540909 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540909 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540919 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540919 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540922 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158540922 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158540922 | Original Loan Amount | XXX | XXX | Verified |
| XXXX |  |  | 3158540922 | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158540922 | Property Type | Single Family | PUD | Verified |
| XXXX |  |  | 3158540922 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540931 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540931 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540980 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540980 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540983 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540983 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540989 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540989 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541012 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541012 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541045 | Property Type | Condo | UTD | Verified |
| XXXX |  |  | 3158541045 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541047 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158541047 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541047 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541156 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541156 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541180 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541180 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541187 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541187 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541193 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158541193 | Original Loan Amount | XXX | XXX | Verified |
| XXXX |  |  | 3158541193 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541193 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541196 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158541196 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541196 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541198 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541198 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541228 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158541228 | Original Loan Amount | XXX | XXX | Verified |
| XXXX |  |  | 3158541228 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541228 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541241 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541341 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541341 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541365 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541388 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541429 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158541429 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541429 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541490 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158541490 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541490 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541540 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541540 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541578 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158541578 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158541578 | Original Loan Amount | XXX | XXX | Verified |
| XXXX |  |  | 3158541578 | Property Type | Condo | UTD | Verified |
| XXXX |  |  | 3158541578 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541588 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541588 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541625 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541625 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541634 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541634 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541671 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541671 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541680 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541680 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541809 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541809 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541872 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158541872 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158541872 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158541872 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541872 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541897 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541897 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541925 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541925 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541927 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158541927 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158541927 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541927 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541937 | Original Loan Amount | XXX | XXX | Verified |
| XXXX |  |  | 3158541937 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541937 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541962 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541962 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541972 | Original Loan Amount | XXX | XXX | Verified |
| XXXX |  |  | 3158541972 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541972 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542027 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542027 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542054 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158542104 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542104 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542113 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158542113 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542113 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542191 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158542191 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158542191 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542191 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542229 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542229 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542236 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542236 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542248 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158542248 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542248 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542271 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542271 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542274 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158542274 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542274 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542327 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542327 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542368 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542368 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542373 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542373 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542411 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158542411 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542411 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542419 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542419 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542430 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158542430 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542430 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542433 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542433 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542456 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158542456 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542456 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542491 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158542491 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542491 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537008 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158537048 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158537059 | Property Type | Single Family | PUD | Verified |
| XXXX |  |  | 3158537095 | Property Type | PUD | PUD Attached | Verified |
| XXXX |  |  | 3158537152 | Property Type | Single Family | 2 Family | Verified |
| XXXX |  |  | 3158537323 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537323 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537324 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537365 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537365 | Original LTV | 98.4 | 96.99057 | Verified |
| XXXX |  |  | 3158537400 | Property Type | Single Family | PUD | Verified |
| XXXX |  |  | 3158537607 | City | XXX | XXX | Verified |
| XXXX |  |  | 3158537607 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158537607 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537607 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537801 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158537801 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537801 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158537934 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158537934 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538056 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158538056 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538056 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538813 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538813 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158538821 | Property Type | Single Family | PUD Attached | Verified |
| XXXX |  |  | 3158538834 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158538834 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158538834 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539281 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158539281 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158539888 | Property Type | Single Family | PUD | Verified |
| XXXX |  |  | 3158540045 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540045 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540299 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158540299 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540299 | Occupancy | Investment | UTD | Verified |
| XXXX |  |  | 3158540299 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540572 | Original Loan Amount | XXX | XXX | Verified |
| XXXX |  |  | 3158540572 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540572 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158540903 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158540903 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541733 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541733 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541909 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541909 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158541938 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158541938 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542010 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158542010 | Note Date | XXXX-XX-XX | XXXX-XX-XX | Verified |
| XXXX |  |  | 3158542010 | First Payment Date | XXXX-XX-XX |  | Verified |
| XXXX |  |  | 3158542010 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542010 | Appraised Value | XXX |  | Verified |
| XXXX |  |  | 3158542226 | Zip | XXX | XXX | Verified |
| XXXX |  |  | 3158542226 | Property Type | Single Family | UTD | Verified |
| XXXX |  |  | 3158542226 | Appraised Value | XXX |  | Verified |

---

## Exhibit 99.5

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

 **Exhibit 99.5 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC ID** | **Client LN** | **Seller LN** | **Servicer LN** | **Loan ID** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Critical Defect** | **SMtg Open** | **Address Variation** | **Origination Vesting** | **Current Vesting** | **SMtg First Position Mortgage** | **Prior Lien / Judgment** | **Municipal Lien** | **Association Super Lien** | **Property Tax Lien** | **Property Tax Status** | **SMtg Lien Position (Mortgages)** | **Critical Exception Count** | **Prior Mortgage Exception Count** | **Prior Mortgage Exception Total** | **Prior Mortgage Exception Details** | **Prior Lien Exception Count** | **Prior Lien Exception Total** | **Prior Lien Exception Details** | **Municipal Lien Exception Count** | **Municipal Lien Exception Total** | **Municipal Lien Exception Details** | **Property Tax Lien Exception Count** | **Property Tax Lien Exception Total** | **Property Tax Lien Exception Details** | **Association Lien Exception Count** | **Association Lien Exception Total** | **Association Lien Exception Details** | **IRS Lien Exception Count** | **IRS Lien Exception Total** | **IRS Lien Exception Details** | **Deed Vesting Exception Categories** | **Property Tax Status Issue** | **DQ Property Tax Amount** | **Property Tax Status Details** | **Final Event Level** | **Title Exceptions** | **Title Comments** |
| XXXX |  |  |  | 3158537008 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 23 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537048 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 22 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537059 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 17 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537095 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 9 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537152 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 13 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage<br>Association Lien - Non-Super Lien | XXXX |
| XXXX |  |  |  | 3158537154 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 2 |  |  |  | 0 |  |  | 2 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Code Violation<br>Code Violation | XXXX |
| XXXX |  |  |  | 3158537186 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537323 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 19 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537324 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537365 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537368 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 21 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537369 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 20 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 2 | XXXX | XXXX |  |  |  |  | 2 | Subordinate Liens/Judgments<br>IRS Lien<br>IRS Lien | XXXX |
| XXXX |  |  |  | 3158537400 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537431 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158537486 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | XXXX |
| XXXX |  |  |  | 3158537543 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537571 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Association Lien - Non-Super Lien | XXXX |
| XXXX |  |  |  | 3158537586 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158537607 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX |  |  |  | 3158537632 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537658 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 4 | XXXX | XXXX |  |  |  |  | 2 | Subordinate Liens/Judgments<br>IRS Lien<br>IRS Lien<br>IRS Lien<br>IRS Lien | XXXX |
| XXXX |  |  |  | 3158537735 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158537769 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537770 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537801 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX |  |  |  | 3158537810 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Inter-Family Deed Transfer<br>Subordinate Liens/Judgments<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158537838 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537858 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537872 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537873 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537903 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158537907 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537909 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537922 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158537934 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158537936 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158538049 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 | XXXX | XXXX |  | Delinquent | XXXX | XXXX | 3 | Subordinate Liens/Judgments<br>Prior Mortgage - No Title Policy Coverage<br>IRS Lien<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158538056 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | 1 | 2 |  |  |  | 0 |  |  | 0 |  |  | 2 | XXXX | XXXX | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Property Tax Sale Certificate<br>Property Tax Sale Certificate | XXXX |
| XXXX |  |  |  | 3158538058 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158538060 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538092 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538094 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158538110 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538134 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538205 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538220 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538235 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538296 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538301 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | 1 | 2 |  |  |  | 2 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Mortgage<br>Prior Lien - No Title Policy Coverage<br>Prior Lien - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158538323 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538337 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158538350 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538386 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538405 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158538448 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Lien - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158538531 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158538538 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 63 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538552 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 15 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158538579 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158538665 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538712 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Mortgage<br>Texas Property Tax Mortgage | XXXX |
| XXXX |  |  |  | 3158538732 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538733 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538735 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 17 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158538762 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538784 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158538789 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158538813 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158538821 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538834 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538836 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Fail | 2 | 2 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Liens/Judgments<br>Prior Mortgage - No Title Policy Coverage<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158538880 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538898 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538919 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538969 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158538971 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158538981 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX |  |  |  | 3158538984 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158539000 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158539023 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 3 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158539030 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158539078 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158539096 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539146 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539209 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539212 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539279 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 | XXXX | XXXX |  |  |  |  | 2 | Subordinate Liens/Judgments<br>IRS Lien | XXXX |
| XXXX |  |  |  | 3158539281 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539298 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539315 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 4 | XXXX | XXXX |  |  |  |  | 2 | Subordinate Liens/Judgments<br>IRS Lien<br>IRS Lien<br>IRS Lien<br>IRS Lien | XXXX |
| XXXX |  |  |  | 3158539339 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 | XXXX | XXXX |  |  |  |  | 2 | Subordinate Liens/Judgments<br>IRS Lien | XXXX |
| XXXX |  |  |  | 3158539397 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158539412 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539446 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158539501 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Borrower Estate Transfer | XXXX |
| XXXX |  |  |  | 3158539531 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539555 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158539588 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 2 |  |  |  | 0 |  |  | 2 | XXXX | XXXX | 0 |  |  | 0 |  |  | 2 | XXXX | XXXX |  |  |  |  | 3 | Subordinate Liens/Judgments<br>IRS Lien<br>IRS Lien<br>Code Violation<br>Code Violation | XXXX |
| XXXX |  |  |  | 3158539599 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539642 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539650 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158539657 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539681 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 2 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158539713 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158539739 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539832 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 2 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Mortgage<br>Subordinate Mortgage<br>Texas Property Tax Mortgage<br>Texas Property Tax Mortgage | XXXX |
| XXXX |  |  |  | 3158539836 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539888 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158539890 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 11 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158539976 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 18 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Prior Mortgage - No Title Policy Coverage<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158540003 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540014 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Prior Mortgage - No Title Policy Coverage<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158540042 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540045 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540058 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540081 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540092 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540118 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 | XXXX | XXXX |  |  |  |  | 2 | Subordinate Liens/Judgments<br>IRS Lien<br>Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158540128 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540133 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540143 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540156 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540158 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540160 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158540164 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540184 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540193 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540226 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540245 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540276 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540299 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540329 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Subordinate Liens/Judgments<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540345 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540349 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540380 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540472 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540486 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 1 | XXXX | XXXX |  |  |  |  | 3 | Subordinate Liens/Judgments<br>IRS Lien<br>Utility Lien | XXXX |
| XXXX |  |  |  | 3158540506 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust<br>Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540510 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540517 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540560 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 10 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments<br>Association Lien - Non-Super Lien | XXXX |
| XXXX |  |  |  | 3158540572 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX |  |  |  | 3158540604 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Borrower Estate Transfer | XXXX |
| XXXX |  |  |  | 3158540606 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy<br>Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540650 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Code Violation | XXXX |
| XXXX |  |  |  | 3158540728 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540755 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540790 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158540807 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540831 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158540832 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540845 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540869 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 2 | Transferred to Land Trust | XXXX |
| XXXX |  |  |  | 3158540903 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Prior Mortgage - No Title Policy Coverage<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158540909 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158540919 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Fail | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Land Trust |  |  |  | 3 | Transferred to Land Trust<br>Code Violation | XXXX |
| XXXX |  |  |  | 3158540922 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 14 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540931 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540980 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158540983 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Texas Property Tax Mortgage | XXXX |
| XXXX |  |  |  | 3158540989 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541012 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541045 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541047 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541156 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Transferred to Third Party | XXXX |
| XXXX |  |  |  | 3158541180 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158541187 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541193 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541196 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 2 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158541198 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158541228 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541241 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541341 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 2 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party | Delinquent | XXXX | XXXX | 3 | Transferred to Third Party<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158541365 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541388 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158541429 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541490 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541523 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541540 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158541578 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 15 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541588 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541625 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 8 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541634 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541671 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158541680 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541716 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Lien - Title Policy Coverage<br>Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158541733 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Texas Property Tax Mortgage | XXXX |
| XXXX |  |  |  | 3158541809 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541872 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541897 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158541909 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541925 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541927 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541937 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541938 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541962 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158541972 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158542010 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 12 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | 2 | 1 | 1 | XXXX | XXXX | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 3 | Prior Mortgage - No Title Policy Coverage | XXXX |
| XXXX |  |  |  | 3158542027 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 2 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Subordinate Liens/Judgments<br>Delinquent Property Taxes<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158542054 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542104 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542113 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158542191 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542226 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Fail | Fail | Pass | Pass | Fail | Fail | Pass | Pass | Pass | Pass | Pass |  | 2 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | Transferred to Third Party |  |  |  | 3 | Subordinate Liens/Judgments<br>Subject Mortgage Released/Satisfied<br>Transferred to Third Party | XXXX |
| XXXX |  |  |  | 3158542229 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158542236 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158542248 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 5 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542271 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158542274 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542327 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158542368 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | XXXX | XXXX | 3 | Prior Mortgage - No Title Policy Coverage<br>Prior Mortgage - No Title Policy Coverage<br>Delinquent Property Taxes | XXXX |
| XXXX |  |  |  | 3158542373 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | XXXX |
| XXXX |  |  |  | 3158542411 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 3 | XXXX | XXXX |  |  |  |  | 2 | Subordinate Liens/Judgments<br>IRS Lien<br>IRS Lien<br>IRS Lien | XXXX |
| XXXX |  |  |  | 3158542419 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | XXXX |
| XXXX |  |  |  | 3158542430 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 6 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542433 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542456 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| XXXX |  |  |  | 3158542491 | XXXX | XXXX | XX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | 7 | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | XXXX | XXXX | XX | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC ID** | **Client LN** | **Seller LN** | **Loan ID** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Origination Balance** | **Origination Date** | **Unique Exception ID** | **Exception Grade** | **Raw Exception Grade** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **SOL Expired** | **SOL Expiration Date** | **Title Policy** | **Title Policy Insurer** | **Title Policy Effective Date** | **Title Policy Exception** | **Paid on HUD** | **CBR Status** | **Borrower Vested on Title Policy** | **Lien Amount** | **Accrual Rate** | **Lienholder** | **Recording Date** | **Additional Exception Information** |
| XXXX |  |  | 3158537008 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33631487 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537008 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33631488 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537059 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33585336 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537152 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33631525 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537152 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33631527 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537152 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33631528 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537154 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33618363 | 3 | 3 | Title Diligence | Municipal Lien | Code Violation |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537154 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33618369 | 3 | 3 | Title Diligence | Municipal Lien | Code Violation |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537365 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33615204 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537368 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33615218 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537368 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33615219 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537369 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33592098 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537369 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33592100 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537369 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33592101 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537431 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33615413 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537486 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33608621 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537571 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33637653 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537571 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33637655 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537586 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33585514 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537607 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33615457 | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537658 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33625982 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537658 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33625986 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537658 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33625989 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537658 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33625991 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537658 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33625995 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537735 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33585561 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | Yes | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537801 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33592283 | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537810 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33615550 | 2 | 2 | Title Diligence | Deed Vesting | Inter-Family Deed Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537810 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33615552 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537810 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33615554 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537903 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33615612 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158537922 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33626199 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158537936 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33631675 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538049 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33626353 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538049 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33626361 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538049 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33626362 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538049 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33626363 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538056 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629158 | 3 | 3 | Title Diligence | Property Tax Lien | Property Tax Sale Certificate |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538056 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629159 | 3 | 3 | Title Diligence | Property Tax Lien | Property Tax Sale Certificate |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538058 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33616060 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538094 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33586529 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538301 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33616342 | 3 | 3 | Title Diligence | Lien Priority | Prior Lien - No Title Policy Coverage | No |  | Missing |  |  |  | No |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538301 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33616344 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538301 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33618173 | 3 | 3 | Title Diligence | Lien Priority | Prior Lien - No Title Policy Coverage | No |  | Missing |  |  |  | No |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538337 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33626669 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538337 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33626673 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538405 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33616374 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538448 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33616436 | 2 | 3 | Title Diligence | Lien Priority | Prior Lien - No Title Policy Coverage | Yes |  | Missing |  |  |  | No |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538531 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33616512 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538552 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33593930 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538552 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33593931 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538552 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33593934 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538552 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33593936 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538552 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33593937 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538552 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33593938 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538552 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33593939 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538552 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33593942 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538552 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33593943 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538552 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33593944 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538552 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33593946 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538552 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33593947 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538552 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33593976 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538552 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33593977 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538552 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33593978 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538579 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33592428 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538712 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627180 | 3 | 3 | Title Diligence | Texas Property Tax Mortgage | Texas Property Tax Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538712 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627181 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538735 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627315 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538735 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627316 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538735 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627319 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538735 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627320 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538735 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627321 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538735 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627322 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538735 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627323 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538735 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627324 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538735 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627326 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538735 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627328 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538735 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627329 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538735 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627330 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538735 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627331 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538735 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627332 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538735 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627333 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538735 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627334 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538735 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627337 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538784 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33586903 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538789 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33594124 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | Yes |  | Final | Stewart Title Guaranty Company | 01/09/2003 | No | Yes | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538813 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627428 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538836 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33616652 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538836 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33616656 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | Yes | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538836 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33616657 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158538969 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33616651 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538969 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33616655 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158538981 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627506 | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158538984 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33586978 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539000 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33592585 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | Yes | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539023 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33628555 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539023 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33628556 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539023 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33628557 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539030 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33586979 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539078 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33627722 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539279 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33616740 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539279 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33616743 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539315 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33616883 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539315 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33616884 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539315 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33616885 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539315 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33616888 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539315 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33616891 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539339 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33586983 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539339 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33586984 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539397 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33617022 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539446 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33617284 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539501 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33617112 | 2 | 2 | Title Diligence | Deed Vesting | Borrower Estate Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539555 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33617263 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539588 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33628622 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539588 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33628625 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539588 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33628626 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539588 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33628634 | 3 | 3 | Title Diligence | Municipal Lien | Code Violation |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539588 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33628637 | 3 | 3 | Title Diligence | Municipal Lien | Code Violation |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539650 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33617349 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158539681 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33592708 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539681 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33592709 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539713 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33628722 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539832 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629037 | 3 | 3 | Title Diligence | Texas Property Tax Mortgage | Texas Property Tax Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539832 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629038 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539832 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629039 | 3 | 3 | Title Diligence | Texas Property Tax Mortgage | Texas Property Tax Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539832 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629040 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539890 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33617482 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539976 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629596 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | Yes | Closed |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158539976 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629598 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539976 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629599 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539976 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629600 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539976 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629601 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539976 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629602 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539976 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629603 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539976 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629604 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539976 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629605 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539976 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629606 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539976 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629607 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539976 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629611 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539976 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629612 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539976 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629613 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539976 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629614 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539976 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629616 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539976 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629617 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539976 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629618 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158539976 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629619 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158540003 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33608899 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540014 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629738 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540014 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629741 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158540058 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33629889 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540118 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33617538 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540118 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33617539 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540118 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33617540 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540160 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33587038 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158540245 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33617641 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540276 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33596869 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | Yes | Closed |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540329 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33631046 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540329 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33631048 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540380 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33631086 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540486 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33617865 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540486 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33617875 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540486 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33617876 | 3 | 3 | Title Diligence | Municipal Lien | Utility Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540506 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33617913 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540506 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33617916 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540510 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33617984 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540560 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33618235 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540560 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33618236 | 2 | 2 | Title Diligence | Association Lien | Association Lien - Non-Super Lien | No |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540572 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33618270 | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540604 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33631225 | 2 | 2 | Title Diligence | Deed Vesting | Borrower Estate Transfer |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540606 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33618265 | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540606 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33618266 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540650 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33618330 | 3 | 3 | Title Diligence | Municipal Lien | Code Violation |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540790 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33631585 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | Yes | Closed |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540831 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33631583 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540869 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33609020 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540903 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33593222 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540903 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33593223 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158540909 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33587089 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540919 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33618474 | 3 | 3 | Title Diligence | Municipal Lien | Code Violation |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158540919 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33618478 | 2 | 2 | Title Diligence | Deed Vesting | Transferred to Land Trust |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158540983 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33618610 | 3 | 3 | Title Diligence | Texas Property Tax Mortgage | Texas Property Tax Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541156 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33587111 | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541180 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33618698 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541196 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33710190 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158541196 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33710192 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158541198 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33619089 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541341 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33631887 | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541341 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33631888 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158541388 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33631894 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541540 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33619221 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541578 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33593870 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541671 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33632006 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541680 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33619385 | 2 | 2 | Title Diligence | Lien Priority | Prior Mortgage - Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | No | Yes | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541716 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33632195 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | Yes | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541716 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33632201 | 2 | 2 | Title Diligence | Lien Priority | Prior Lien - Title Policy Coverage | No |  | Final | XXXX | XX/XX/XXXX | No | No |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541733 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33632268 | 3 | 3 | Title Diligence | Texas Property Tax Mortgage | Texas Property Tax Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158541897 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33632392 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158541972 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33632449 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | No | UTD |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542010 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33632707 | 3 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | No |  | Missing |  |  |  | UTD | Closed |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542027 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33632755 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542027 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33710231 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158542027 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33710233 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158542113 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33632811 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542226 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33619558 | 3 | 3 | Title Diligence | Subject Mortgage | Subject Mortgage Released/Satisfied |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542226 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33619560 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542226 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33619563 | 3 | 3 | Title Diligence | Deed Vesting | Transferred to Third Party |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542229 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33610243 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158542236 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33632886 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542271 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33633193 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542327 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33633217 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542368 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33633269 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | No | Not Reporting |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542368 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33633270 | 2 | 3 | Title Diligence | Lien Priority | Prior Mortgage - No Title Policy Coverage | Yes |  | Missing |  |  |  | No | Closed |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542368 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33633272 | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |
| XXXX |  |  | 3158542373 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33633280 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542411 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33633308 | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  |  | 3158542411 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33633311 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542411 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33633312 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542411 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33633313 | 2 | 2 | Title Diligence | Subordinate Lien | IRS Lien |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |
| XXXX |  |  | 3158542419 | XXX | XXXX | XX | XXXX | XXXX | XXXX | XX/XX/XXXX | 33633318 | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XX/XX/XXXX | XXXX |

---

## Exhibit 99.5

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

 **Exhibit 99.5 - Schedule 4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOANUID** | **LOANID** | **LOANID2** | **Alternate Loan ID** | **First Payment Date** | **Data Cutoff Date** | **Pay History Scope** | **Pay History Summary (MBA)** | **Months of Data Missing During Lookback** | **Delinquency During Lookback** |
|  |  |  | 3158537008 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000010000000000000010000 | 0 | 2 |
|  |  |  | 3158537048 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000100000000000000000000 | 0 | 1 |
|  |  |  | 3158537059 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000010000000001111111101 | 0 | 10 |
|  |  |  | 3158537095 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000001111001110010111111 | 0 | 14 |
|  |  |  | 3158537152 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000211000321032210100 | 0 | 11 |
|  |  |  | 3158537154 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000010000001011110000000 | 0 | 6 |
|  |  |  | 3158537186 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000011223322232111000001 | 0 | 15 |
|  |  |  | 3158537323 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000100000000000000100000 | 0 | 2 |
|  |  |  | 3158537324 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000011110100110543321101 | 0 | 15 |
|  |  |  | 3158537365 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000001100000010000000010 | 0 | 4 |
|  |  |  | 3158537368 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000010000000000000022333 | 0 | 6 |
|  |  |  | 3158537369 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000001000100000010001111 | 0 | 7 |
|  |  |  | 3158537400 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000011110000000000000000 | 0 | 4 |
|  |  |  | 3158537431 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000011212121110005433 | 0 | 14 |
|  |  |  | 3158537486 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537543 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537571 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537586 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000054 | 0 | 2 |
|  |  |  | 3158537607 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537632 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537658 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000100000000000000000 | 0 | 1 |
|  |  |  | 3158537735 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000011101000000000000 | 0 | 4 |
|  |  |  | 3158537769 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537770 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537801 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537810 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537838 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537858 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537872 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000001100000000000 | 0 | 2 |
|  |  |  | 3158537873 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537903 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537907 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537909 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537922 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158537934 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000110000000000000 | 0 | 2 |
|  |  |  | 3158537936 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538049 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538056 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538058 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538060 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538092 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538094 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538110 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538134 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538205 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538220 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538235 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538296 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538301 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538323 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538337 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538350 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538386 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538405 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538448 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538531 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538538 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538552 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000999 | 0 | 3 |
|  |  |  | 3158538579 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538665 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538712 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538732 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538733 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538735 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538762 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538784 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538789 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538813 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538821 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538834 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538836 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538880 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538898 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538919 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538969 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538971 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538981 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158538984 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000100000000 | 0 | 1 |
|  |  |  | 3158539000 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539023 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539030 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000001000000000 | 0 | 1 |
|  |  |  | 3158539078 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000009999 | 0 | 4 |
|  |  |  | 3158539096 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539146 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539209 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539212 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539279 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539281 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539298 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539315 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539339 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000001111110000 | 0 | 6 |
|  |  |  | 3158539397 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539412 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539446 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539501 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539531 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539555 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000001111111000 | 0 | 7 |
|  |  |  | 3158539588 | XX/XX/XXXX | 05/31/2025 | 36 | 000000001000000000000000000000000000 | 0 | 1 |
|  |  |  | 3158539599 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539642 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000102100321 | 0 | 6 |
|  |  |  | 3158539650 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539657 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539681 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000666554444 | 0 | 9 |
|  |  |  | 3158539713 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539739 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539832 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539836 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539888 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539890 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158539976 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000211000000 | 0 | 3 |
|  |  |  | 3158540003 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540014 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000099999999999 | 0 | 11 |
|  |  |  | 3158540042 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540045 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000055565432222210 | 0 | 13 |
|  |  |  | 3158540058 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540081 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540092 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540118 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000100000000000000000 | 0 | 1 |
|  |  |  | 3158540128 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540133 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000044444333210000000000 | 0 | 10 |
|  |  |  | 3158540143 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540156 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540158 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000211110 | 0 | 5 |
|  |  |  | 3158540160 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540164 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540184 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540193 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540226 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540245 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540276 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540299 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540329 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540345 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540349 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540380 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540472 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540486 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000012233212102222211011 | 0 | 18 |
|  |  |  | 3158540506 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540510 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000010000000 | 0 | 1 |
|  |  |  | 3158540517 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540560 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000011000 | 0 | 2 |
|  |  |  | 3158540572 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540604 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000002222 | 0 | 4 |
|  |  |  | 3158540606 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540650 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540728 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540755 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540790 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540807 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540831 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000010000000000000000000000000 | 0 | 1 |
|  |  |  | 3158540832 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000321000000 | 0 | 3 |
|  |  |  | 3158540845 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540869 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540903 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540909 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540919 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540922 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000111000000000000000 | 0 | 3 |
|  |  |  | 3158540931 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540980 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000011101110110010001 | 0 | 10 |
|  |  |  | 3158540983 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158540989 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541012 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541045 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541047 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000432100 | 0 | 4 |
|  |  |  | 3158541156 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541180 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541187 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541193 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541196 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541198 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541228 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541241 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000011110000 | 0 | 4 |
|  |  |  | 3158541341 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541365 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541388 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541429 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541490 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000001254 | 0 | 4 |
|  |  |  | 3158541523 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000010000 | 0 | 1 |
|  |  |  | 3158541540 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541578 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541588 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541625 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541634 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541671 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541680 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541716 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000121 | 0 | 3 |
|  |  |  | 3158541733 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000999999987654322210 | 0 | 17 |
|  |  |  | 3158541809 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541872 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541897 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541909 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000022118765444333232154 | 0 | 20 |
|  |  |  | 3158541925 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000003210321 | 0 | 6 |
|  |  |  | 3158541927 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541937 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541938 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541962 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158541972 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542010 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000005566543200000000 | 0 | 8 |
|  |  |  | 3158542027 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542054 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542104 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000321000000000000000 | 0 | 3 |
|  |  |  | 3158542113 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000001111100000000 | 0 | 5 |
|  |  |  | 3158542191 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542226 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542229 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542236 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542248 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542271 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542274 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542327 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000001000000000000 | 0 | 1 |
|  |  |  | 3158542368 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542373 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542411 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542419 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542430 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000001111111111111109877 | 0 | 18 |
|  |  |  | 3158542433 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542456 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
|  |  |  | 3158542491 | XX/XX/XXXX | 05/31/2025 | 36 | 000000000000000000000000000000000000 | 0 | 0 |

---

---

| | | |
|:---|:---|:---|
| **Category** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| No Delinquency, No Missing Data | 163 | 74.77% |
| Delinquency, No Missing Data | 55 | 25.23% |
| No Delinquency, At Least One Month Missing | 0 | 0.00% |
| Delinquency, At Least One Month Missing | 0 | 0.00% |
| **Total** | **218** | **100.00%** |

---

## Exhibit 99.5

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

 **Exhibit 99.5 - Schedule 5**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Seller Loan ID** | **Alternate Loan ID** | **Final Current Event Level** | **Current Exceptions** | **Collection comments** |
|  |  | 3158537059 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to see what's going on with the insurance as it is being billed for $X.XX but borrower has the bill for $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comment dated XX/XX/XXXX indicates there is XXX damage. As per comment dated XX/XX/XXXX the claim was identified as non-monitored. There is no evidence of XX% percent repair completion found. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537323 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke with borrower regarding forbearance inquiry.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537324 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding the account information and borrower promised to pay. The agent provided the information about modification.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537365 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Discussed RFD and payment status.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537368 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called borrower informed reason foe delinquency as payment adjustment and it is resolved.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537369 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and stated already made XX/XXXX payment yesterday.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537400 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to ask if loan is assumable and to add an authorized third-party.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537431 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with customer regarding the payment due. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537486 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537543 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537571 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and question about the tax bill.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comments on XX/XX/XXXX indicates claim classified as non- monitored and endorsement check was received in the amount of $X.XX on XX/XX/XXXX for XXX on XX/XX/XXXX. Comments on XX/XX/XXXX indicates endorsement check was received in the amount of $X.XX on XX/XX/XXXX. There is no evidence of repairs completed, or XX% inspection done. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537586 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in expressed dissatisfaction regarding the issue. Borrower said spoke with an attorney and the bankruptcy court. Borrower was told that normally mortgage are not discharged in bankruptcy are needing reaffirmation, if it is for a car. Borrower said to find out the process and was told it doesn't make sense to re-open the case to get a reaffirmation. Borrower said continue making payments, bankruptcy is XX years ago and the bankruptcy court has that information as well.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. As per comment datedXX/XX/XXXX damage identified by XXX and date of loss XX/XX/XXXX. On XX/XX/XXXX claim classified non monitored and no final inspection received. There is no evidence of a XX% completed repair inspection. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537607 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537632 | 3 | [3] Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Comment dated XX/XX/XXXX indicates there were pending reconstruction improvements on the property as a result of XXX in XXXX. Comment dated XX/XX/XXXX indicates a home repair package would be delivered shortly. There is no evidence of repairs completed or XX% inspection done. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537658 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537735 | 1 | [1] Written Dispute - Servicer responded within XX days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer spoke with customer. Customer is in the process of refinance and will go that route.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded within XX days and no further communication from mortgagor. There was a XXXX dispute. Dispute was resolved.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537769 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a payment related inquiry.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537770 | 2 | [2] Damaged Exterior - Active insurance claim but unclear who holds funds or covered by bid | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. As per comment dated on XX/XX/XXXX. Spoke with borrower and the collections interview ended on the borrower section, Borrower would like to review the situation with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. comment dated on XX/XX/XXXX. Property damage found as XXX and date of loss is XX/XX/XXXX. There is no evidence XX repair was completed. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537801 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537810 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537838 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding modification trial payment plan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537858 | 2 | [2] Damaged Exterior - Active insurance claim but unclear who holds funds or covered by bid | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with internal party. Manual authenticate completed. Borrower is having issue with processing check at a branch. Borrower will try different branch since there no hold on the check.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Comment dated XX/XX/XXXX indicates borrower called in to file a new claim. Cause of loss XXX. Date of loss XX/XX/XXXX. Claim amount is $X.XX. Claim information is missing. Borrower wanted to endorse the check advised to put information of the claim on the portal and then tell the borrower if the check is endorse and released. Borrower has received check in the amount of $X.XX. The damage repair amount is estimated at $X.XX. Property repair is in process. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537872 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer contacted borrower and borrower informed about the reason for default.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537873 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. Bankruptcy was terminated on XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537903 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Successor called back, advised to the successor still need the deed showing the property coming out of the trust in the name. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537907 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537909 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the account information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537922 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called for the general account information and agent provided it.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537934 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to discuss the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537936 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make the payment on the account in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538049 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX4. Agent spoke with authorized XX party regarding general information on loan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538056 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired about the document that they submitted. There are unable to see the documents.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538058 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer contacted borrower regarding to discuss about paper statements.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538060 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538092 | 1 | [1] Written Dispute - Servicer responded within XX days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to get information of the premium and wanted to know the monthly payments.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Loss Mit Dispute. The dispute is resolved and the status indicates Servicer responded within XX days and no further communication from mortgagor. Comment dated XX/XX/XXXX indicates borrower raised the loss mitigation dispute as the amount is a deferred amount and as per final modification document it will be bearing additional interest. On XX/XX/XXXX research was completed and task was closed. Thereafter no evidence of dispute mentioned by the borrower.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538094 | 2 | [2] Payoff has been requested within the last XX days<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized XX party called in and stated wanted to keep the property. Also, requested for payoff statement. Agent the payoff statement on email. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538110 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower and manual authenticated completed. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538134 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called regarding the account and reason for homeowner insurance. Agent provided the information that insurance is more than decrease to property tax<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538205 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538220 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the letter received and policy information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538235 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower had an escrow payment inquiry.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538296 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with customer and asked for Spanish speaking agent.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538301 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538323 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538337 | 1 | [1] Damaged Interior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke with borrower regarding general information on the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comment dated XX/XX/XXXX indicated borrower called in regarding check status and has a claim that needs to be addressed and transfer to claim department. Comment dated XX/XX/XXXX indicates claim as classified as non-monitored and borrower payment authorized for payment request of $X.XX. Comment dated XX/XX/XXXX indicates no final inspection was received and all criteria was met then claim was closed. Comment dated XX/XX/XXXX indicates carrier claim status was closed, payment number was provided and payment issue date was on XX/XX/XXXX. There is no evidence of XX% inspection completed or repair completed. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538350 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer contacted borrower and borrower requested to set up payment. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538386 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquire payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. As per the comment dated XX/XX/XXXX bankruptcy was discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538405 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Successor in Interest is called regarding the account information. Agent advised that documents need to notarized. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538448 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke to borrower one and asked whether it was impacted or not by covid XX. Also, quoted total amount due and promise to pay the amount of $X.XX<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538531 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regard to make a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538538 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538552 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding general information on account. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538579 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding duplicate payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538665 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check the status of the account and escrow shortage.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538712 | 1 | [1] Damaged Interior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to file a claim and requested for insurance policy information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comments on XX/XX/XXXX indicates claim was classified as non-monitored. Comments on XX/XX/XXXX indicates check was received and send to borrower in the amount of $X.XX. There is no evidence of repairs completed, or XX% inspection done. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538732 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538733 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized party called in to schedule payment for $X.XX on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Bankruptcy was discharged and no other information was provided.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538735 | 2 | [2] Damaged Exterior - Active insurance claim but unclear who holds funds or covered by bid<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regards to claim as borrower reported property damage due to XXX on XX/XX/XXXX servicer informed borrower to get the check endorsed at the local branch. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. However no evidence of damage being repaired or XX% inspection completed.<br> As per comment dated XX/XX/XXXX claim check was endorsed and released.<br> As per comment dated XX/XX/XXXX borrower reported property damage due to XXX on XX/XX/XXXX.<br> As per comment dated XX/XX/XXXX claim classified as non monitored.<br> As per comment dated XX/XX/XXXX borrower filed a new claim intent top repair XXX. Property repair is in process. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538762 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and accepted a promise to pay cure.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538784 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding recent monthly statement to email on file.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538789 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called for general information on the loan and mailed the document.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538813 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538821 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check the status of the account and would like to know of late charges on the account in last XX months..<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538834 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding the cancellation notice and ask for a refund.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538836 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. As per comment dated on XX/XX/XXXX. Borrower want to add family member on deed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538880 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538898 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538919 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538969 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538971 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538981 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party called in regarding payment and sending payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158538984 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539000 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539023 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding a payment and requested for a payoff quote.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539030 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party called in for general loan information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539078 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding payment. Payment was made through online to satisfy the monthly amount due.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539096 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539146 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called with regards to a letter having similar to balloon loan letter which was not from XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539209 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding insurance policy and escrow statement.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539212 | 2 | [2] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified but not documented<br>[1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regard to general account information. Borrower is deceased and Executor/Heir exists to dispose of property; identified but not documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Comment dated XX/XX/XXXX indicates date of loss was XX/XX/XXXX, cause of loss was XXX, the insurance claim was in amount of $X.XX, claim type was non-monitored and check was received for endorsement on XX/XX/XXXX. There is no evidence of repairs completed or XX% inspection done. The damage repair amount is estimated at $X.XX. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539279 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called with regards to the information on the deferral plan<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. As per the comments dated XX/XX/XXXX there was a XXX damage identified and the date of loss was mentioned as XX/XX/XXXX. The claim was closed as all the criteria was met and the check was endorsed and released on XX/XX/XXXX The damage repair amount is estimated at $X.XX. Property repair is in process. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539281 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539298 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539315 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regards of check status of payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539339 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding insurance policy information and requested copy of lapse policy. Servicer advised the detail and borrower dropped the call.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539397 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539412 | 1 | [1] Damaged Interior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in about filed claim. Agent provided contact number of lender placed insurance and transferred call.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. As per comment dated XX/XX/XXXX damage identified and claim classified as non monitored. Payment authorized for payment request of $X.XX. On XX/XX/XXXX received payment notification that assurant sent a check for $X.XX. On XX/XX/XXXX comment indicates all funds released however there is no evidence of a XX% completed repair inspection. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539446 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The authorized XX party called on XX/XX/XXXX to make a payment for next month but did not wanted to be charged from the account associated with the ACH. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539501 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539531 | 1 | [1] Damaged Interior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and quoted total amount due and promise to pay in the amount of $X.XX<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comment dated XX/XX/XXXX payment instruction sent to XXX for payment request. Claim was classified as non monitored. A payment request of $X.XX to be used for the repairs. Comment dated XX/XX/XXXX claim classified as non - monitored. There is no XX% inspection or repairs been completed. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539555 | 1 | [1] Damaged Interior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in manual authenticate completed. Borrower stated is not able to transfer outside of the mortgage department. Borrower wanted to filed a insurance claim on the lender placed insurance policy. Call transferred to insurance department.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comment dated XX/XX/XXXX borrower called in to filed a claim with lender placed insurance policy. On XX/XX/XXXX borrower called in requested loss draft information. Borrower filed a claim, classified as non-monitored. Payment authorized for $X.XX for repairs. Adjuster worksheet created. On XX/XX/XXXX check for $X.XX sent. Claim closed. Inspection related information not provided. Property repair is in process. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539588 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called servicer was going to authorize a XX party at request but did not have the mailing address for the XX party. Servicer explained that is a requirement and will call back later.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539599 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539642 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539650 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539657 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539681 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke with borrower regarding payment and borrower stated they will make a payment on XX/XX/XXXX<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is fair. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539713 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower and advice the loss mitigation impact borrower wanted to know the mortgage assistance but unable to complete the financial interview. also, borrower inform the reason for default as illness and confirmed there is no covid-XX impact.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539739 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539832 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539836 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the account balance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539888 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called to set up online at XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539890 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158539976 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. As per comment dated on XX/XX/XXXX. Borrower calling to ask if borrower had already made the XXX payment. Advised borrower has not, Borrower is due for the current month. Borrower made a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540003 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540014 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was called out provided foreclosure information. Reinstatement quote amount explained.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540042 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called about the increase in the payment. Explained the increase in payment was due to hazard increase.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540045 | 3 | [3] Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regard to autopay drafting payment on XX day of the month instead of XX day and servicer advised for XXX accounts payment is drafted on due date of the loan. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Comment dated XX/XX/XXXX indicates XXX needs to be repaired or replaced. There is no evidence of repairs completed or XX% inspection done. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540058 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540081 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540092 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540118 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540128 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to see what mortgage assistance options we have, advised of all options. Sent package to mailing address on file.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540133 | 1 | [1] Written Dispute - Servicer responded within XX days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was called on XX/XX/XXXX with regards to the loan status.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Payment Dispute. The dispute is resolved and the status indicates Servicer responded within XX days and no further communication from mortgagor. As per the comments dated XX/XX/XXXX there was a payment dispute identified on the account as the borrower had requested for an amount of $X.XX to be refunded. On XX/XX/XXXX the refund was successfully approve and refunded back to the customer's account.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540143 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to schedule the payment and stated they have not been impacted by covid.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Bankruptcy details not available due to limited comments.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540156 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regard to miss applied payment for the month of XXX. Advised to borrower to make payment post billing cycle to avoid the error and waived late charge for $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540158 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. As per comment dated XX/XX/XXXX Damage occurred by XXX on XX/XX/XXXX and the Claim was identified as non-monitored. The claim was endorsed and released in the amount of $X.XX. No evidence of XX% repairs completion found. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540160 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540164 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540184 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in requested modification via email.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540193 | 2 | [2] Damaged Interior - Active insurance claim but unclear who holds funds or covered by bid | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and stated that about vacation.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Comment shows that there is damage to the property. Claim is non-monitored. Date of loss is XX/XX/XXXX. Damage due to XXX as per comments. Claim was filed by the borrower and >=XX% inspection was done. On XX/XX/XXXX shows that claim classified as enhance endorse and release. On XX/XX/XXXX draw check was sent out and issued on XX/XX/XXXX and classified as monitored. On XX/XX/XXXX shows that repairs not yet completed. There is no evidence of a XX% completed repair inspection. Property repair is in process. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540226 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the general information on the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540245 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540276 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540299 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540329 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Talked to borrower regarding payment confirmation.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Comment dated XX/XX/XXXX indicates the Bankruptcy was discharged. No further details available on Bankruptcy Case or Chapter.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540345 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and stated current policy is with XXX insurance company. servicer advice to update EOI.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540349 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540380 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the discharge bankruptcy.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540472 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to refund the amount to the same account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540486 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer not interested in mortgage assistance. Customer called to cancel payment that is sent for XX/XX/XXXX in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540506 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540510 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke with borrower regarding plan as borrower accepted a promise to pay in XX payment. The payment plan type is XX with payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540517 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540560 | 1 | [1] Damaged Interior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding general information on account and also advised of grace period.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. As per comment XX/XX/XXXX claim classified as non-monitored , and on XX/XX/XXXX claims has been closed, and there is no evidence for XX% inspection done on the property and repairs are completed. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540572 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in as wanted to know if servicer received the payment and needed copy of lender placed insurance policy. Agent submitted the request for copy of lender placed insurance policy and advised the timeframe.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. As per the comment dated XX/XX/XXXX received check in the amount of $X.XX on XX/XX/XXXX for damage due to XXX, date of loss on XX/XX/XXXX for non-monitored claim. As per the comment dated XX/XX/XXXX claim was closed. No evidence of repair started, or XX% repair inspection done. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540604 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party called in making the payments and deposited funds on XXX checking account but once it was marked that the owner is deceased. It will be closed. Authorized XX parry stated that provided information and was advised not to pay. Authorized XX parry said that will pay tomorrow to bring it current and does not plan to pay the late fees. executor asked for all the late fees be waived. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540606 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding fax related and request of the total left funds to be waived.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540650 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with internal party and manual authenticated. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540728 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537008 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called for payment status and to discuss insurance policy.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537095 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke with borrower regarding general information on loan and sent a payment reminder email. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537152 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was called with regards to the payments, borrower also inquired about the COVID XX and was advised of the protections.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537154 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540755 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower is calling to set up one time automatic payment. Borrower also mentioned reason for delinquency is excessive obligation and promise to pay in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540790 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to request the copy of policy term for XXXX-XXXX. Servicer advice the lender place on file only cover structure recommended.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540807 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make payment. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540831 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with authorized XX party regarding the general information on the account. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540832 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to inform that reason for delinquency is as curtailment of income and which is now resolved.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540845 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540869 | 1 |  | LOAN STATUS: The current loan status is Paid in Full.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is paid in full and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: Per commentary on XX/XX/XXXX and per the Pay History review, the loan was paid in full on XX/XX/XXXX. |
|  |  | 3158540903 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540909 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to give consent to proceed with collection and promised to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540919 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. spoke with internal party and manual authenticated.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540922 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired about renewal premium increase. Advised to borrower about premium may increase and letter will be sent out with premium information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. On XX/XX/XXXX borrower called in as wanted to file a claim. On XX/XX/XXXX borrower was advised lender placed insurance did not cover the XXX and claim was denied. On XX/XX/XXXX borrower called in and stated had some XXX damage. On XX/XX/XXXX claim was classified as non-monitored and authorized borrower to use $X.XX to be used for needed repairs. On XX/XX/XXXX claim was closed. No evidence of repair started, or XX% repair inspection done. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540931 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540980 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make a payment in amount of $X.XX and servicer provided confirmation number. Borrower was interested in mortgage assistance but was unable to complete financial interview.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540983 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the request for loss draft information. Servicer transferred their call to loss draft department for more information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comments on XX/XX/XXXX indicates claim was classified as non-monitored. There is damage on property due to XXX on XX/XX/XXXX. Comments on XX/XX/XXXX indicates borrower called in regarding lender placed insurance information. Comments on XX/XX/XXXX indicates borrower request for loss draft information. Comments on XX/XX/XXXX indicates received a check in the amount of $X.XX. There is no evidence of repairs completed, or XX% inspection done. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158540989 | 3 | [3] Damaged Interior - Damage remains unresolved and no indication covered by insurance | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent called borrower on claim and informed claim was denied. Borrower will seek another carrier and provided option too.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comment dated XX/XX/XXXX indicates borrower called in regarding check status and to report claim call was transfer to claims department. Comment dated XX/XX/XXXX indicates borrower called in regarding request for insurance policy information and agent called to advise that their claim was denied and they will seek another carrier. There is no evidence of XX% inspection or repair completed. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541012 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541045 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check the status of the account and disputing about late charges and as explained why late charged a[applied as understood and want to remove late charges waived the late fees as one time courtesy.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541047 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to inform of promised to pay and accepted deferment offer.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541156 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541180 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke with authorized XX party regarding payment and they made payment of $X.XX on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541187 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541193 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a promise to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541196 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized XX party called in and for manual authentication and about the late fees.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541198 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and provided promise to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541228 | 2 | [2] Damaged Interior - Active insurance claim but unclear who holds funds or covered by bid | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to check the status of the account and requested payoff.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comment dated XX/XX/XXXX indicate that there is a damage to the property and all funds rea released claim sent to final review and there is no evidence of XX% inspection done or repairs completed. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541241 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower had a payment related inquiry.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541341 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower and informed the reason for default as XXX. Borrower was unable to provide the information to make the payment decision. also borrower give the consent to proceed with collection interview also borrower confirmed ones the account is zero days past due then they will setup the ACH payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541365 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and inquired XXX. Advised to borrower XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. As per the comment dated XX/XX/XXXX bankruptcy was discharged without reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541388 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to confirm the insurance is paid through escrow and also stated of receiving a message from insurance company for cancelling policy. Servicer called to insurance company regarding same they informed the payment was refunded due to overpayment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541429 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regard to lender placed insurance letter and servicer advised that they are looking for flood coverage starting from XX/XX/XXXX Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541490 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and discussed general information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541523 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to confirm account status and to make a payment. Borrower was provided requested information and scheduled a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541540 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541578 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to regarding general information on account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541588 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541625 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding letter received and lender placed insurance. Borrower inquired about if account was updated and if wind policy is still required. Agent advised account is updated and not required wind policy anymore.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541634 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower requested a payoff statement.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is closed.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541671 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to inquire about the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541680 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541716 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding the mortgage assistance, servicer provided the information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541733 | 1 | [1] Damaged Interior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called borrower to discuss the account borrower stated signed final modification on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. As per comment dated XX/XX/XXXX claim was classified as non monitored.<br> As per comment dated XX/XX/XXXX non monitored claim was closed.<br> However no evidence of damage being repaired claim check being endorsed and released or XX% inspection done. Property repair is in process. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537186 | 1 | [1] Written Dispute - Servicer responded within XX days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in to inquire about available mortgage assistance programs.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded within XX days and no further communication from mortgagor. As per comment XX/XX/XXXX indicates credit dispute was raised by borrower and the same has been resolved.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541809 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. As per comment dated on XX/XX/XXXX. Borrower called and went over privacy preferences opt out, advised warm transferred to the chase .<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541872 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower. Manual authenticate completed. Payment made via mobile app.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541897 | 3 | [3] Damaged Interior - Damage remains unresolved and no indication covered by insurance | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called to advise damage to property and wanted to submit claim.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. Comment dated XX/XX/XXXX, customer called to advise damage to property and wanted to submit claim. No comments are available repairs are XX% completed. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541909 | 2 | [2] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified but not documented<br>[1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a payment. Borrower is deceased and Executor/Heir exists to dispose of property; identified but not documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded and appears issue is closed. As per the comments dated XX/XX/XXXX borrower dispute for credit and on XX/XX/XXXX dispute was resolved.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541925 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541927 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541937 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and made a payment in the amount of $X.XX<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541938 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541962 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent called regarding payment misapplied or refund as borrower requested.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158541972 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542010 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer called borrower and advised for due payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542027 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542054 | 1 | [1] Written Dispute - Servicer responded within XX days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to inquire about their bankruptcy reporting on their credit.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded within XX days and no further communication from mortgagor. The borrower initiated a written credit dispute against the Servicer on XX/XX/XXXX; the dispute was resolved on XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542104 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower, borrower facing issue with making payment, online transferred.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542113 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was called regarding a general information on the loan and advise of system updates complete. Contacted customer cares automatic clearing payment not set up yet.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542191 | 3 | [3] Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. As per comment dated on XX/XX/XXXX. Property is damage due to XXX. date of loss is XX/XX/XXXX. There is no evidence XX% repair was completed. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542226 | 1 |  | LOAN STATUS: The current loan status is Paid in Full.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to confirmed mailing address and phone number and loan general information. Borrower not interested in mortgage assistance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is paid in full and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: The payment history reflects loan paid in full on XX/XX/XXXX |
|  |  | 3158542229 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to cancel ACH immediately.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. On XX/XX/XXXX, Borrower called about claim amount $X.XX for COL XXX, date of loss XX/XX/XXXX. On XX/XX/XXXX, claim classified as non-monitored. On XX/XX/XXXX, starte farm issued check on XX/XX/XXXX for XXX loss on XX/XX/XXXX. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542236 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542248 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer calling regarding XX form. Customer received form chasing regarding XXX penalty notice. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542271 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding homeowners policy information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542274 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke with borrower regarding insurance coverage and tax installment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542327 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542368 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and stated borrower daughter will take care of the payment. Also, inquired about repayment plan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542373 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding the payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542411 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was called regarding about inquired taxes related.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542419 | 2 | [2] Damaged Exterior - Active insurance claim but unclear who holds funds or covered by bid<br>[2] Damaged Interior - Active insurance claim but unclear who holds funds or covered by bid | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower, borrower stated that they are not satisfied with automated system to make payments.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. On comment dated XX/XX/XXXX XXX damage was reported, and claim was filed. Borrower advised that claim check was not received. The damage repair amount is estimated at $X.XX. Property repair is in process. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542430 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party called in to inquire about deferment offer received in mail. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542433 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542456 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding the payment to be refunded due to account ending in XX funds paid on XX/XX/XXXX for $X.XX monthly payment, X.XX principle payment - XX/XX/XXXX $X.XX principle total:$X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158542491 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A |
|  |  | 3158537048 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to discuss if loan was modified servicer advised there was a modification back in XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A |

---

![](ex99-01.jpg)

**Exception Summary**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Exception Type** | **Exception Grade** | **Exception** | **Open Exceptions** | **Cleared Exceptions** | **Cured Exceptions** | **Waived Exceptions** | **Unable to Clear Exceptions** | **Total** |
| Comment | 3 | Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair | 3 | 0 | 0 | 0 | 0 | 3 |
| Comment | 3 | Damaged Interior - Damage remains unresolved and no indication covered by insurance | 2 | 0 | 0 | 0 | 0 | 2 |
| Comment | 3 | ***Total Comment Grade (3) Exceptions:*** | ***5*** | ***0*** | ***0*** | ***0*** | ***0*** | ***5*** |

---

![](ex99-01.jpg)

**Exception Standard Report**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Alternate Loan ID** | **Servicer Loan ID** | **Loan Exception ID** | **Exception ID** | **Investor Loan Number** | **Loan Status** | **Exception Date** | **Exception Subcategory** | **Exception Status** | **Exception Status Change Date** | **Exception Grade** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Statute of Limitation Date** | **Comments** |
| XXXX |  | 3158537632 |  | 33608108 | 5640 |  | Loan Review Complete | 06/13/2025 | General | open |  | 3 | Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair |  |  |  |  |  |
| XXXX |  | 3158540045 |  | 33615852 | 5640 |  | Loan Review Complete | 06/13/2025 | General | open |  | 3 | Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair |  |  |  |  |  |
| XXXX |  | 3158540989 |  | 33617550 | 5638 |  | Loan Review Complete | 06/13/2025 | General | open |  | 3 | Damaged Interior - Damage remains unresolved and no indication covered by insurance |  |  |  |  |  |
| XXXX |  | 3158541897 |  | 33616582 | 5638 |  | Loan Review Complete | 06/13/2025 | General | open |  | 3 | Damaged Interior - Damage remains unresolved and no indication covered by insurance |  |  |  |  |  |
| XXXX |  | 3158542191 |  | 33616703 | 5640 |  | Loan Review Complete | 06/13/2025 | General | open |  | 3 | Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair |  |  |  |  |  |

---

## Exhibit 99.5

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

 **Exhibit 99.5 - Schedule 6**

![](ex99-01.jpg)

**Modification Only Extract**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Alternate Loan ID** | **Servicer Loan ID** | **Borrower Name** | **Street** | **City** | **State** | **Zip** | **Has Modification?** | **Mod Doc Status** | **Mod Amortization Type** | **Total Amount Deferred** | **Mod UPB** | **Mod Principal Forgiven** | **Mod Amount Capitalized** | **Mod Deferred Balance** | **Mod Accruing UPB** | **Mod Date** | **Mod First Payment Date** | **Mod Maturity Date** | **Mod Original Term** | **Mod Amortization Term** | **Mod Original Interest Rate** | **Mod P&I** | **Mod P&I - Calculated** | **Mod Payment Frequency** | **Mod Interest Collection Type** | **Mod Interest Only?** | **Mod Interest Only Period** | **Mod Interest Only Period Expiration** | **Mod Balloon?** | **Mod Neg Am?** | **Mod Months Extended** | **Mod Neg Am Cap (% of UPB)** | **Principal Reduction Alternative** | **Balance Eligible** | **Principal Reduction Alt Amount** | **PRA Year 1 Anniversary Date** | **PRA Year 1 Reduction Amount** | **PRA Year 2 Anniversary Date** | **PRA Year 2 Reduction Amount** | **PRA Year 3 Anniversary Date** | **PRA Year 3 Reduction Amount** | **Mod Program Type** | **Mod Cure** | **Mod Teaser Rate** | **Mod Rate Change Frequency (Payments)** | **Mod Payment Change Frequency (Payments)** | **Mod First Interest Rate Change Date** | **Mod First Payment Change Date** | **Mod Next Interest Rate Change Date** | **Mod Next Payment Change Date** | **Mod Index Type / ARM Type** | **Mod Lookback Period** | **Mod Rounding Factor** | **Mod Rounding Method** | **Mod Initial Rate Cap** | **Mod Initial Rate Floor** | **Mod Initial Rate Maximum** | **Mod Initial Rate Minimum** | **Mod Life Rate Cap** | **Mod Life Rate Floor** | **Mod Life Rate Maximum** | **Mod Life Rate Minimum** | **Mod Periodic Rate Cap** | **Mod Periodic Rate Floor** | **Mod Margin** | **Step 1 Rate Change Date** | **Step 1 Payment Change Date** | **Step 1 Rate** | **Step 1 P&I** | **Step 1 # Payments** | **Step 2 Rate Change Date** | **Step 2 Payment Change Date** | **Step 2 Rate** | **Step 2 P&I** | **Step 2 # Payments** | **Step 3 Rate Change Date** | **Step 3 Payment Change Date** | **Step 3 Rate** | **Step 3 P&I** | **Step 3 # Payments** | **Step 4 Rate Change Date** | **Step 4 Payment Change Date** | **Step 4 Rate** | **Step 4 P&I** | **Step 4 # Payments** | **Step 5 Rate Change Date** | **Step 5 Payment Change Date** | **Step 5 Rate** | **Step 5 P&I** | **Step 5 # Payments** | **Step 6 Rate Change Date** | **Step 6 Payment Change Date** | **Step 6 Rate** | **Step 6 P&I** | **Step 6 # Payments** | **Step 7 Rate Change Date** | **Step 7 Payment Change Date** | **Step 7 Rate** | **Step 7 P&I** | **Step 7 # Payments** | **Step 8 Rate Change Date** | **Step 8 Payment Change Date** | **Step 8 Rate** | **Step 8 P&I** | **Step 8 # Payments** | **Step 9 Rate Change Date** | **Step 9 Payment Change Date** | **Step 9 Rate** | **Step 9 P&I** | **Step 9 # Payments** | **Step 10 Rate Change Date** | **Step 10 Payment Change Date** | **Step 10 Rate** | **Step 10 P&I** | **Step 10 # Payments** | **Mod Prepayment Penalty?** | **Mod Prepayment Penalty Period (months)** | **Mod Prepayment Penalty Percent Amount Year 1** | **Mod Prepayment Penalty Percent Amount Year 2** | **Mod Prepayment Penalty Percent Amount Year 3** | **Mod Prepayment Penalty Percent Amount Year 4** | **Mod Prepayment Penalty Percent Amount Year 5** | **Mod Prepayment Balance Allowance** | **Mod Prepayment Balance Type** | **Mod Hard Penalty Period (Months)** | **Mod Maximum Prepayment Penalty Amount** | **Mod Prepayment Penalty Enforcement** | **Mod Prepayment Penalty Expiration Date** | **Mod Prepayment Penalty Months Interest** | **Mod Stated Penalty Amount** | **Mod Prepayment Terms** | **Mod Extension Deferment?** | **Mod Extension Date** | **New Maturity Date** | **Mod Extension Months** | **Latest Mod Deferment Date** | **Number of Deferments** | **Total Mod Deferment Amount** | **Active Temp Mod?** | **Temp Mod Expiraton Date** | **Temp Mod Status** | **Temp Mod Reverts To** | **Temp Mod Amortization Type** | **Temp Mod UPB** | **Temp Mod Accruing UPB** | **Temp Mod Principal Forgiven** | **Temp Mod Deferred Balance** | **Temp Mod Date** | **Temp Mod First Payment Date** | **Temp Mod Maturity Date** | **Temp Mod Original Interest Rate** | **Temp Mod PI** | **Temp Mod Interest Only** | **Temp Mod Interest Only Period** | **Mod Comments** | **Post Mod Other Change** | **Post Mod Change Date** | **Post Mod Forgiveness Amount** | **Post Mod Change Comment** |
| XXXX |  | 3158537008 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 265 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158537048 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 230 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158537059 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 278 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158537095 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 180 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 4 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158537152 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 279 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158537154 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 201 |  | No |  |  |  |  |  |  |  |  | Recast / Reamortization | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158537186 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 297 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158537323 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. | No |  |  |  |
| XXXX |  | 3158537324 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 333 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158537365 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 162 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158537368 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 214 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158537369 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 197 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 420 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 3 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158537400 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 357 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158537431 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 4 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferment agreement to account for the deferred balance variance of $XXX. | No |  |  |  |
| XXXX |  | 3158537486 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158537543 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 186 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158537571 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 214 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 420 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing modification date appears to be related to an extension agreement. The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  | 3158537586 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. | No |  |  |  |
| XXXX |  | 3158537607 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 269 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158537632 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158537658 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 341 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  | 3158537735 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 361 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing modification date appears to be related to an extension agreement. The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  | 3158537769 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 264 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158537770 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 239 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158537801 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158537810 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158537838 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158537858 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 247 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  | 3158537872 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 206 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  | 3158537873 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158537903 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 407 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158537907 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158537909 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 348 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158537922 |  | XXX | XXX | XXX | XX | XXX | Yes | Incomplete | Fixed | $XXX |  | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 293 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. | No |  |  |  |
| XXXX |  | 3158537934 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 342 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158537936 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX | 2 | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. The current servicing interest rate variance appears related to a cancellation of ACH payments, which increased the interest rate by 0.25% per the terms of the Note. Missing an extension agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. Missing a deferment agreement to account for the deferred balance variance of $XXX. | No |  |  |  |
| XXXX |  | 3158538049 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158538056 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferment agreement to account for the deferred balance variance of $XXX. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. The current servicing interest rate and P&I variance is related to the discontinuation of ACH debit. | No |  |  |  |
| XXXX |  | 3158538058 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 195 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 420 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the 'ESTIMATED' amount of principal and interest payments per the modification. | No |  |  |  |
| XXXX |  | 3158538060 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 244 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 420 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  | 3158538092 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 185 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  | 3158538094 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferment agreement to account for the deferred balance variance of $XXX. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. The current servicing interest rate and P&I variance is related to the discontinuation of ACH debit. | No |  |  |  |
| XXXX |  | 3158538110 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | 29 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 232 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  | 3158538134 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 250 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158538205 |  | XXX | XXX | XXX | XX | XXX | Yes | Incomplete | Fixed | $XXX |  | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 49 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. No forgiveness located to account for the deferred variance of $XXX. | No |  |  |  |
| XXXX |  | 3158538220 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158538235 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. | No |  |  |  |
| XXXX |  | 3158538296 |  | XXX | XXX | XXX | XX | XXX | Yes | Incomplete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 123 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. | No |  |  |  |
| XXXX |  | 3158538301 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158538323 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 126 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX | 5 |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. The audited maturity date is in line with the most recent, extension agreement. | No |  |  |  |
| XXXX |  | 3158538337 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 338 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No forgiveness located to account for the deferred variance of $XXX. The current servicing modification date appears to be related to a deferment agreement. The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  | 3158538350 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 329 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158538386 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 394 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158538405 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. The current servicing interest rate and P&I variance is related to the discontinuation of ACH debit. | No |  |  |  |
| XXXX |  | 3158538448 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 295 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158538531 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 207 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 420 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  | 3158538538 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158538552 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX |  | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 375 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 441 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX | 2 | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  | 3158538579 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 185 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 420 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  | 3158538665 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 197 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  | 3158538712 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 443 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158538732 |  | XXX | XXX | XXX | XX | XXX | Yes | Incomplete | Fixed | $XXX |  | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 120 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. No forgiveness located to account for the deferred variance of $XXX. | No |  |  |  |
| XXXX |  | 3158538733 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. | No |  |  |  |
| XXXX |  | 3158538735 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158538762 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 140 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158538784 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 427 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158538789 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  | 3158538813 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. The current servicing interest rate variance appears related to a cancellation of ACH payments, which increased the interest rate by 0.25% per the terms of the Note. Missing an extension agreement to account for the maturity date variance of XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  | 3158538821 |  | XXX | XXX | XXX | XX | XXX | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing the modification with current rate of XXX%, current P&I of $XXX and maturity of XX/XX/XXXX. The original Note is an ARM, however, current data reflects the loan is now Fixed. Current servicing reflects deferred monies in the amount of $XXX. | No |  |  |  |
| XXXX |  | 3158538834 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 4 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158538836 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX | 3 |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferment agreement to account for the deferred balance variance of $XXX. The audited maturity date is in line with the most recent, extension agreement. | No |  |  |  |
| XXXX |  | 3158538880 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158538898 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 254 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158538919 |  | XXX | XXX | XXX | XX | XXX | Yes | Incomplete | Fixed | $XXX |  | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 275 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. No forgiveness located to account for the deferred variance of $XXX. | No |  |  |  |
| XXXX |  | 3158538969 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 454 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158538971 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158538981 |  | XXX | XXX | XXX | XX | XXX | Yes | Incomplete | Fixed | $XXX |  | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 167 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX | 2 |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. No forgiveness located to account for the deferred variance of $XXX. | No |  |  |  |
| XXXX |  | 3158538984 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 402 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158539000 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 144 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. |  |  |  |  |
| XXXX |  | 3158539023 |  | XXX | XXX | XXX | XX | XXX | Yes | Incomplete | Fixed | $XXX |  | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 7 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX | 2 |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. No forgiveness located to account for the deferred variance of $XXX. | No |  |  |  |
| XXXX |  | 3158539030 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 447 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158539078 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 132 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158539096 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158539146 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 191 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158539209 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | 6 |  | Yes | $XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 241 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  | 3158539212 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 350 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158539279 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 237 |  | Yes | $XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158539281 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferral agreement to cure the deferred balance variance of $XXX. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  | 3158539298 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 388 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158539315 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | 446 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  | 3158539339 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 129 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158539397 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 371 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158539412 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 399 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158539446 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | 107 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 118 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX | 4 |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing modification date appears to be related to an extension agreement. The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  | 3158539501 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 251 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158539531 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 286 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158539555 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158539588 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 301 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158539599 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 266 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158539642 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158539650 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 179 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX | 2 |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing modification date appears to be related to an extension agreement. | No |  |  |  |
| XXXX |  | 3158539657 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158539681 |  | XXX | XXX | XXX | XX | XXX | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XXX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. | No |  |  |  |
| XXXX |  | 3158539713 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 305 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158539739 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158539832 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. The current servicing interest rate variance appears related to a cancellation of ACH payments, which increased the interest rate by 0.25% per the terms of the Note. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  | 3158539836 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 305 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158539888 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 315 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 3 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. | No |  |  |  |
| XXXX |  | 3158539890 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158539976 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX | 2 | XX/XX/XXXX | 4 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing a deferment agreement to account for the deferred balance variance of $XXX. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |  |  |  |  |
| XXXX |  | 3158540003 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158540014 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158540042 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 302 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540045 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 91 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540058 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX |  | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 375 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540081 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 280 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 420 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  | 3158540092 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158540118 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158540128 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 443 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540133 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 455 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540143 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 414 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158540156 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158540158 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 380 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540160 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158540164 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158540184 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 193 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540193 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 430 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540226 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 360 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540245 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158540276 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 460 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540299 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158540329 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 438 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158540345 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 258 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540349 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 286 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540380 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX | 2 |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. | No |  |  |  |
| XXXX |  | 3158540472 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | 18 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 212 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  | 3158540486 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 457 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540506 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158540510 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 382 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540517 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158540560 |  | XXX | XXX | XXX | XX | XXX | Yes | Incomplete | GPM | $XXX |  | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 115 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 131 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX | 2 | XX/XX/XXXX | 3 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. Missing a deferment agreement to account for the deferred balance variance of $XXX. A letter to the borrower dated XX/XX/XXXX corrected the step payment amount to $XXX. | Yes | 8/XX/2012 | $0.00 | A letter to the borrower dated 08/XX/2012 corrected the step payment amount to $XXX. |
| XXXX |  | 3158540572 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 233 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540604 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158540606 |  | XXX | XXX | XXX | XX | XXX | Yes | Incomplete | Fixed | $XXX |  | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 120 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. | No |  |  |  |
| XXXX |  | 3158540650 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 218 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540728 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 426 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540755 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 207 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540790 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 455 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540807 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 158 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 358 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  | 3158540831 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | 99 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 103 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The current servicing P&I amount variance appears to be related to the DSI. | No |  |  |  |
| XXXX |  | 3158540832 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 182 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540845 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158540869 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158540903 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. The current servicing interest rate and P&I variance is related to the discontinuation of ACH debit. | No |  |  |  |
| XXXX |  | 3158540909 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 446 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540919 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158540922 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 368 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540931 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. The current servicing interest rate and P&I variance is related to the discontinuation of ACH debit. | No |  |  |  |
| XXXX |  | 3158540980 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 287 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540983 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 351 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158540989 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 302 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158541012 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158541045 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 381 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158541047 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 445 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158541156 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 207 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158541180 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 189 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 420 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  | 3158541187 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX |  | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 126 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX | 2 | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. | No |  |  |  |
| XXXX |  | 3158541193 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 265 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158541196 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158541198 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158541228 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 197 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 420 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  | 3158541241 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 64 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158541341 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX | 2 |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. | No |  |  |  |
| XXXX |  | 3158541365 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 287 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158541388 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 340 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158541429 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158541490 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 368 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158541523 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 316 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158541540 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX |  | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 129 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. | No |  |  |  |
| XXXX |  | 3158541578 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 321 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158541588 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158541625 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the Fixed Rate Note. | No |  |  |  |
| XXXX |  | 3158541634 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 185 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158541671 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 186 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | A letter to the borrower dated XX/XX/XXXX forgave $XXX of the modification deferred balance. The current servicing P&I appears related to a letter to the borrower dated XX/XX/XXXX reduced the principal balance by $XXX. | Yes | 9/XX/2012 | $12640.01 | A letter to the borrower dated 09/XX/2012 forgave $XXX of the modification deferred balance. A letter to the borrower dated 06/XX/2015 reduced the principal balance by $XXX. |
| XXXX |  | 3158541680 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158541716 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 437 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158541733 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 450 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158541809 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 357 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158541872 |  | XXX | XXX | XXX | XX | XXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The loan is currently servicing at the terms of the FRLO of the HELOC. Missing an extension agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. | No |  |  |  |
| XXXX |  | 3158541897 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 386 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158541909 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 424 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 2 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158541925 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 454 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158541927 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158541937 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 226 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158541938 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158541962 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 385 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158541972 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158542010 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 326 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158542027 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158542054 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | Daily Simple | No |  |  | No | No | 405 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 444 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158542104 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 77 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158542113 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | Yes | No | 60 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158542191 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 236 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158542226 |  | XXX | XXX | XXX | XX | XXX | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Missing the Modification with a current Interest Rate of XXX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |  |  |  |  |
| XXXX |  | 3158542229 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158542236 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 494 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158542248 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158542271 |  | XXX | XXX | XXX | XX | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 3158542274 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 465 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158542327 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 305 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158542368 |  | XXX | XXX | XXX | XX | XXX | Yes | Incomplete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 124 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XX/XX/XXXX | XX/XX/XXXX | 2 |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The modification is incomplete due to missing the lender's signature. Missing a deferment agreement to account for the deferred balance variance of $XXX. | No |  |  |  |
| XXXX |  | 3158542373 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 433 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158542411 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 357 |  | Yes | $XXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | XX/XX/XXXX | $XXX | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  | 3158542419 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX |  | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 185 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with Principal forgiveness |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |
| XXXX |  | 3158542430 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 424 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158542433 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 429 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | XX/XX/XXXX |  | XX/XX/XXXX | 1 | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158542456 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | Fixed | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 309 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |
| XXXX |  | 3158542491 |  | XXX | XXX | XXX | XX | XXX | Yes | Complete | GPM | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XXXX | XXX% | $XXX | $XXX | Monthly | In Arrears | No |  |  | No | No | 360 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 12 | XX/XX/XXXX | XX/XX/XXXX | XXX% | $XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | $XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | The audited P&I amount is in line with the most recent, executed modification. | No |  |  |  |

---

![](ex99-01.jpg)

**Exception Standard Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Alternate Loan ID** | **Servicer Loan ID** | **Loan Exception ID** | **Exception ID** | **Investor Loan Number** | **Last Name** | **Purpose** | **Occupancy** | **Note Date** | **State** | **Original Loan Amount** | **Loan Status** | **Exception Date** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **Exception Status** | **Exception Status Change Date** | **Exception Grade** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Statute of Limitation Date** | **Comments** |
| XXXX |  | 3158537008 |  | 33584033 | 24159 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  | Reviewer Comment (XX/XX/XXXX): Exception cleared. |
| XXXX |  | 3158537048 |  | 33584618 | 24159 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  | Reviewer Comment (XX/XX/XXXX): Exception cleared. |
| XXXX |  | 3158537152 |  | 33583107 | 24159 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  | Reviewer Comment (XX/XX/XXXX): Exception cleared. |
| XXXX |  | 3158537323 |  | 33583203 | 24159 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  | Reviewer Comment (XX/XX/XXXX): Exception cleared. |
| XXXX |  | 3158537369 |  | 33583264 | 24159 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  | Reviewer Comment (XX/XX/XXXX): Exception cleared. |
| XXXX |  | 3158537431 |  | 33554743 | 24159 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  | 3158537922 |  | 33549370 | 18007 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Loan Package Documentation | Application / Processing | Credit | open | XX/XX/XXXX | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  | 3158537936 |  | 33568420 | 5003 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Extension not provided |  | Missing an extension agreement to account for the maturity date variance froXX/XX/XXXX tXX/XX/XXXX. |  |  |  |
| XXXX |  | 3158537936 |  | 33568426 | 24159 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  | 3158538056 |  | 33583475 | 18007 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Loan Package Documentation | Application / Processing | Credit | cleared | XX/XX/XXXX | 1 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the maturity date and amortization term. |  |  | Reviewer Comment (XX/XX/XXXX): Exception cleared. |
| XXXX |  | 3158538056 |  | 33583498 | 24159 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  | 3158538056 |  | 33852087 | 5003 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance froXX/XX/XXXX tXX/XX/XXXX. |  |  |  |
| XXXX |  | 3158538058 |  | 33549768 | 2801 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  | Reviewer Comment (XX/XX/XXXX): Exception cleared. |
| XXXX |  | 3158538094 |  | 33573071 | 24159 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  | 3158538094 |  | 33573076 | 18007 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Loan Package Documentation | Application / Processing | Credit | cleared | XX/XX/XXXX | 1 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the maturity date and amortizing term. |  |  | Reviewer Comment (XX/XX/XXXX): Exception cleared. |
| XXXX |  | 3158538094 |  | 33852117 | 5003 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance froXX/XX/XXXX tXX/XX/XXXX. |  |  |  |
| XXXX |  | 3158538110 |  | 33550332 | 2801 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  | Reviewer Comment (XX/XX/XXXX): Exception cleared. |
| XXXX |  | 3158538205 |  | 33553709 | 18007 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Loan Package Documentation | Application / Processing | Credit | open | XX/XX/XXXX | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  | 3158538296 |  | 33555876 | 18007 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Loan Package Documentation | Application / Processing | Credit | open | XX/XX/XXXX | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  | 3158538323 |  | 33555971 | 24159 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  | 3158538405 |  | 33573134 | 18007 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Loan Package Documentation | Application / Processing | Credit | cleared | XX/XX/XXXX | 1 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the maturity date and amortizing term. |  |  | Reviewer Comment (XX/XX/XXXX): Exception cleared. |
| XXXX |  | 3158538405 |  | 33852397 | 5003 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance froXX/XX/XXXX tXX/XX/XXXX. |  |  |  |
| XXXX |  | 3158538552 |  | 33556860 | 24159 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  | 3158538732 |  | 33557212 | 18007 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Loan Package Documentation | Application / Processing | Credit | open | XX/XX/XXXX | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  | 3158538789 |  | 33572221 | 5003 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance froXX/XX/XXXX tXX/XX/XXXX. |  |  |  |
| XXXX |  | 3158538813 |  | 33591634 | 5003 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Extension not provided |  | Missing an extension agreement to account for the maturity date variance oXX/XX/XXXX tXX/XX/XXXX. |  |  |  |
| XXXX |  | 3158538821 |  | 33593226 | 2801 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Modification not provided |  | Missing the modification with current rate of XXX%, current P&I of $XXX and maturity oXX/XX/XXXX. The original Note is an ARM, however, current data reflects the loan is now Fixed. Current servicing reflects deferred monies in the amount of $XXX. |  |  |  |
| XXXX |  | 3158538836 |  | 33557438 | 24159 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  | 3158538919 |  | 33557548 | 18007 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Loan Package Documentation | Application / Processing | Credit | open | XX/XX/XXXX | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  | 3158538981 |  | 33557629 | 18007 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Loan Package Documentation | Application / Processing | Credit | open | XX/XX/XXXX | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  | 3158539000 |  | 33557835 | 2801 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  | Reviewer Comment (XX/XX/XXXX): Exception cleared. |
| XXXX |  | 3158539023 |  | 33557749 | 18007 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Loan Package Documentation | Application / Processing | Credit | open | XX/XX/XXXX | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  | 3158539209 |  | 33558119 | 2801 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  | Reviewer Comment (XX/XX/XXXX): Exception cleared. |
| XXXX |  | 3158539281 |  | 33592569 | 5003 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance froXX/XX/XXXX tXX/XX/XXXX. |  |  |  |
| XXXX |  | 3158539281 |  | 33592673 | 24159 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Deferment not provided |  | Missing a deferral agreement to cure the deferred balance variance of $XXX. |  |  |  |
| XXXX |  | 3158539315 |  | 33561579 | 2801 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  | Reviewer Comment (XX/XX/XXXX): Exception cleared. |
| XXXX |  | 3158539446 |  | 33561602 | 2801 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  | Reviewer Comment (XX/XX/XXXX): Exception cleared. |
| XXXX |  | 3158539681 |  | 33559025 | 2801 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Modification not provided |  | Missing the Modification dateXX/XX/XXXX with a current Interest Rate of XXX%, current P&I of $XXX, and a Maturity Date oXX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |  |  |  |
| XXXX |  | 3158539832 |  | 33572311 | 5003 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance froXX/XX/XXXX tXX/XX/XXXX. |  |  |  |
| XXXX |  | 3158539888 |  | 33593984 | 24159 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  | 3158539976 |  | 33559032 | 5003 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance froXX/XX/XXXX tXX/XX/XXXX. |  |  |  |
| XXXX |  | 3158539976 |  | 33559034 | 24159 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  | 3158540472 |  | 33560572 | 2801 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  | Reviewer Comment (XX/XX/XXXX): Exception cleared. |
| XXXX |  | 3158540560 |  | 33560811 | 24159 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  | 3158540560 |  | 33560793 | 18007 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Loan Package Documentation | Application / Processing | Credit | open | XX/XX/XXXX | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  | 3158540606 |  | 33593257 | 18007 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Loan Package Documentation | Application / Processing | Credit | open | XX/XX/XXXX | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  | 3158540831 |  | 33593605 | 2801 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Modification not provided |  | Missing the most recent Modification Agreement. P&I variance due to missing a potential Recast/Reamortization. |  |  | Reviewer Comment (XX/XX/XXXX): Exception cleared. |
| XXXX |  | 3158540903 |  | 33593798 | 18007 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Loan Package Documentation | Application / Processing | Credit | cleared | XX/XX/XXXX | 1 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the maturity date and amortizing term |  |  | Reviewer Comment (XX/XX/XXXX): Exception cleared. |
| XXXX |  | 3158540903 |  | 33854016 | 5003 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance froXX/XX/XXXX tXX/XX/XXXX. |  |  |  |
| XXXX |  | 3158540931 |  | 33572611 | 18007 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Loan Package Documentation | Application / Processing | Credit | cleared | XX/XX/XXXX | 1 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the maturity date and amortization term. |  |  | Reviewer Comment (XX/XX/XXXX): Exception cleared. |
| XXXX |  | 3158540931 |  | 33854028 | 5003 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance froXX/XX/XXXX tXX/XX/XXXX. |  |  |  |
| XXXX |  | 3158541187 |  | 33582818 | 24159 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  | 3158541540 |  | 33561718 | 24159 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  | 3158541872 |  | 33573522 | 5003 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Extension not provided |  | Missing an extension agreement to account for the maturity date variance froXX/XX/XXXX tXX/XX/XXXX. |  |  |  |
| XXXX |  | 3158542226 |  | 33584543 | 2801 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Modification not provided |  | Missing the Modification with a current Interest Rate of XXX%, current P&I of $XXX, and a Maturity Date oXX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |  |  |  |
| XXXX |  | 3158542368 |  | 33562220 | 18007 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Loan Package Documentation | Application / Processing | Credit | open | XX/XX/XXXX | 2 | Incomplete Document: Modification is incomplete |  | The modification is incomplete due to missing the lender's signature. |  |  |  |
| XXXX |  | 3158542368 |  | 33562290 | 24159 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | open | XX/XX/XXXX | 3 | Missing Document: Deferment not provided |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |  |  |  |
| XXXX |  | 3158542368 |  | 33562304 | 5003 |  | XXX |  |  |  |  |  | Loan Review Complete | XX/XX/XXXX | Missing Document | General | Credit | cleared | XX/XX/XXXX | 1 | Missing Document: Extension not provided |  | Missing an Extension Agreement to account for the maturity date variance froXX/XX/XXXX tXX/XX/XXXX. |  |  | Reviewer Comment (XX/XX/XXXX): Exception cleared. |

---

![](ex99-01.jpg)

**Data Compare**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Alternate Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| XXXX |  | 3158537431 |  | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of<br> $XXX. |
| XXXX |  | 3158537486 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158537486 |  | Has Modification? | No |  |  |
| XXXX |  | 3158537486 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158537571 |  | Mod Date | XXXX-XX-XX | XXXX-XX-XX | The current servicing modification date appears to be related to an extension agreement. |
| XXXX |  | 3158537632 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158537632 |  | Has Modification? | No |  |  |
| XXXX |  | 3158537632 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158537735 |  | Mod Date | XXXX-XX-XX | XXXX-XX-XX | The current servicing modification date appears to be related to an extension agreement. |
| XXXX |  | 3158537801 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158537801 |  | Has Modification? | No |  |  |
| XXXX |  | 3158537801 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158537810 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158537810 |  | Has Modification? | No |  |  |
| XXXX |  | 3158537810 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158537838 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158537838 |  | Has Modification? | No |  |  |
| XXXX |  | 3158537838 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158537873 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158537873 |  | Has Modification? | No |  |  |
| XXXX |  | 3158537873 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158537907 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158537907 |  | Has Modification? | No |  |  |
| XXXX |  | 3158537907 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158537922 |  | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  | 3158537936 |  | Mod Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Missing an extension agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158537936 |  | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  | 3158538049 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158538049 |  | Has Modification? | No |  |  |
| XXXX |  | 3158538049 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158538056 |  | Mod Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158538056 |  | Calculated Amount Due at Maturity | XXX |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  | 3158538094 |  | Mod Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158538094 |  | Calculated Amount Due at Maturity | XXX |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  | 3158538205 |  | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  | 3158538205 |  | Calculated Amount Due at Maturity | XXX | XXX | No forgiveness located to account for the deferred variance of $XXX. |
| XXXX |  | 3158538220 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158538220 |  | Has Modification? | No |  |  |
| XXXX |  | 3158538220 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158538235 |  | Mod Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Field value reflects source document |
| XXXX |  | 3158538296 |  | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  | 3158538301 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158538301 |  | Has Modification? | No |  |  |
| XXXX |  | 3158538301 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158538323 |  | Mod Maturity Date | XXXX-XX-XX | XXXX-XX-XX | The audited maturity date is in line with the most recent, extension agreement. |
| XXXX |  | 3158538323 |  | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  | 3158538337 |  | Mod Date | XXXX-XX-XX | XXXX-XX-XX | The current servicing modification date appears to be related to a deferment agreement. |
| XXXX |  | 3158538337 |  | Calculated Amount Due at Maturity | XXX | XXX | No forgiveness located to account for the deferred variance of $XXX. |
| XXXX |  | 3158538405 |  | Mod Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158538405 |  | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  | 3158538405 |  | Calculated Amount Due at Maturity | XXX |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158538538 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158538538 |  | Has Modification? | No |  |  |
| XXXX |  | 3158538538 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158538552 |  | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  | 3158538552 |  | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  | 3158538732 |  | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  | 3158538732 |  | Calculated Amount Due at Maturity | XXX | XXX | No forgiveness located to account for the deferred variance of $XXX. |
| XXXX |  | 3158538789 |  | Mod Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158538789 |  | Has Modification? | No | Yes | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158538789 |  | Calculated Amount Due at Maturity | XXX |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158538813 |  | Mod Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Missing an extension agreement to account for the maturity date variance of XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158538813 |  | Has Modification? | No | Yes | Missing an extension agreement to account for the maturity date variance of XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158538813 |  | Calculated Amount Due at Maturity | XXX |  | Missing an extension agreement to account for the maturity date variance of XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158538821 |  | Mod Maturity Date | XXXX-XX-XX |  | Missing the modification with current rate of XXX%, current P&I of $XXX and maturity of XX/XX/XXXX. The original Note is an ARM, however, current data reflects the loan is now Fixed. Current servicing reflects deferred monies in the amount of $XXX. |
| XXXX |  | 3158538821 |  | Calculated Amount Due at Maturity | XXX |  | Missing the modification with current rate of XXX%, current P&I of $XXX and maturity of XX/XX/XXXX. The original Note is an ARM, however, current data reflects the loan is now Fixed. Current servicing reflects deferred monies in the amount of $XXX. |
| XXXX |  | 3158538836 |  | Mod Maturity Date | XXXX-XX-XX | XXXX-XX-XX | The audited maturity date is in line with the most recent, extension agreement. |
| XXXX |  | 3158538836 |  | Calculated Amount Due at Maturity | XXX |  | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  | 3158538880 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158538880 |  | Has Modification? | No |  |  |
| XXXX |  | 3158538880 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158538919 |  | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  | 3158538919 |  | Calculated Amount Due at Maturity | XXX | XXX | No forgiveness located to account for the deferred variance of $XXX. |
| XXXX |  | 3158538971 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158538971 |  | Has Modification? | No |  |  |
| XXXX |  | 3158538971 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158538981 |  | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  | 3158538981 |  | Calculated Amount Due at Maturity | XXX | XXX | No forgiveness located to account for the deferred variance of $XXX. |
| XXXX |  | 3158539023 |  | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  | 3158539023 |  | Calculated Amount Due at Maturity | XXX | XXX | No forgiveness located to account for the deferred variance of $XXX. |
| XXXX |  | 3158539096 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158539096 |  | Has Modification? | No |  |  |
| XXXX |  | 3158539096 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158539281 |  | Mod Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158539281 |  | Calculated Amount Due at Maturity | XXX |  | Missing a deferral agreement to cure the deferred balance variance of $XXX. |
| XXXX |  | 3158539446 |  | Mod Date | XXXX-XX-XX | XXXX-XX-XX | The current servicing modification date appears to be related to an extension agreement. |
| XXXX |  | 3158539642 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158539642 |  | Has Modification? | No |  |  |
| XXXX |  | 3158539642 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158539650 |  | Mod Date | XXXX-XX-XX | XXXX-XX-XX | The current servicing modification date appears to be related to an extension agreement. |
| XXXX |  | 3158539681 |  | Mod Date | XXXX-XX-XX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XXX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |
| XXXX |  | 3158539681 |  | Mod Maturity Date | XXXX-XX-XX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XXX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |
| XXXX |  | 3158539681 |  | Calculated Amount Due at Maturity | XXX |  | Missing the Modification dated XX/XX/XXXX with a current Interest Rate of XXX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |
| XXXX |  | 3158539739 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158539739 |  | Has Modification? | No |  |  |
| XXXX |  | 3158539739 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158539832 |  | Mod Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158539832 |  | Has Modification? | No | Yes | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158539832 |  | Calculated Amount Due at Maturity | XXX |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158539888 |  | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  | 3158539890 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158539890 |  | Has Modification? | No |  |  |
| XXXX |  | 3158539890 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158539976 |  | Mod Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX<br> to XX/XX/XXXX. |
| XXXX |  | 3158539976 |  | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  | 3158540003 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158540003 |  | Has Modification? | No |  |  |
| XXXX |  | 3158540003 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158540014 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158540014 |  | Has Modification? | No |  |  |
| XXXX |  | 3158540014 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158540092 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158540092 |  | Has Modification? | No |  |  |
| XXXX |  | 3158540092 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158540118 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158540118 |  | Has Modification? | No |  |  |
| XXXX |  | 3158540118 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158540156 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158540156 |  | Has Modification? | No |  |  |
| XXXX |  | 3158540156 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158540160 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158540160 |  | Has Modification? | No |  |  |
| XXXX |  | 3158540160 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158540164 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158540164 |  | Has Modification? | No |  |  |
| XXXX |  | 3158540164 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158540184 |  | Mod Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Field value reflects source document |
| XXXX |  | 3158540245 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158540245 |  | Has Modification? | No |  |  |
| XXXX |  | 3158540245 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158540299 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158540299 |  | Has Modification? | No |  |  |
| XXXX |  | 3158540299 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158540380 |  | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  | 3158540506 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158540506 |  | Has Modification? | No |  |  |
| XXXX |  | 3158540506 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158540517 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158540517 |  | Has Modification? | No |  |  |
| XXXX |  | 3158540517 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158540560 |  | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  | 3158540560 |  | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  | 3158540604 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158540604 |  | Has Modification? | No |  |  |
| XXXX |  | 3158540604 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158540606 |  | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  | 3158540606 |  | Calculated Amount Due at Maturity | XXX | XXX | Field value reflects source document |
| XXXX |  | 3158540755 |  | Mod Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Field value reflects source document |
| XXXX |  | 3158540845 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158540845 |  | Has Modification? | No |  |  |
| XXXX |  | 3158540845 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158540869 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158540869 |  | Has Modification? | No |  |  |
| XXXX |  | 3158540869 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158540903 |  | Mod Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158540903 |  | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  | 3158540903 |  | Calculated Amount Due at Maturity | XXX |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158540919 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158540919 |  | Has Modification? | No |  |  |
| XXXX |  | 3158540919 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158540931 |  | Mod Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158540931 |  | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  | 3158540931 |  | Calculated Amount Due at Maturity | XXX |  | Missing an Extension Agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158541012 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158541012 |  | Has Modification? | No |  |  |
| XXXX |  | 3158541012 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158541187 |  | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  | 3158541187 |  | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  | 3158541196 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158541196 |  | Has Modification? | No |  |  |
| XXXX |  | 3158541196 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158541198 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158541198 |  | Has Modification? | No |  |  |
| XXXX |  | 3158541198 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158541341 |  | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  | 3158541429 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158541429 |  | Has Modification? | No |  |  |
| XXXX |  | 3158541429 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158541523 |  | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  | 3158541540 |  | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  | 3158541540 |  | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |
| XXXX |  | 3158541588 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158541588 |  | Has Modification? | No |  |  |
| XXXX |  | 3158541588 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158541671 |  | Mod Date |  | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  | 3158541680 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158541680 |  | Has Modification? | No |  |  |
| XXXX |  | 3158541680 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158541872 |  | Mod Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Missing an extension agreement to account for the maturity date variance from XX/XX/XXXX to XX/XX/XXXX. |
| XXXX |  | 3158541872 |  | Has Modification? | No | Yes | Field Value reflects Modification data in file |
| XXXX |  | 3158541872 |  | Calculated Amount Due at Maturity | XXX |  | Field value reflects source document |
| XXXX |  | 3158541927 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158541927 |  | Has Modification? | No |  |  |
| XXXX |  | 3158541927 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158541938 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158541938 |  | Has Modification? | No |  |  |
| XXXX |  | 3158541938 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158541972 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158541972 |  | Has Modification? | No |  |  |
| XXXX |  | 3158541972 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158542027 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158542027 |  | Has Modification? | No |  |  |
| XXXX |  | 3158542027 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158542226 |  | Mod Maturity Date | XXXX-XX-XX |  | Missing the Modification with a current Interest Rate of XXX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |
| XXXX |  | 3158542226 |  | Calculated Amount Due at Maturity | XXX |  | Missing the Modification with a current Interest Rate of XXX%, current P&I of $XXX, and a Maturity Date of XX/XX/XXXX. The current servicing data reflects deferred monies in the amount of $XXX. |
| XXXX |  | 3158542229 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158542229 |  | Has Modification? | No |  |  |
| XXXX |  | 3158542229 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158542248 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158542248 |  | Has Modification? | No |  |  |
| XXXX |  | 3158542248 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158542271 |  | Mod Maturity Date | XXXX-XX-XX |  |  |
| XXXX |  | 3158542271 |  | Has Modification? | No |  |  |
| XXXX |  | 3158542271 |  | Calculated Amount Due at Maturity | XXX |  |  |
| XXXX |  | 3158542368 |  | Mod Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Modification Date per the Modification agreement |
| XXXX |  | 3158542368 |  | Calculated Amount Due at Maturity | XXX | XXX | Missing a deferment agreement to account for the deferred balance variance of $XXX. |

---